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Planning to buy a home in 2025? With only a few days left ‘til the new year, it may seem like an extremely distant and daunting goal. But the good news is that you still have the whole year ahead of you, which means you can take it step by step. Getting started today is already a huge feat, so here's a comprehensive guide that you can use to navigate through this journey toward your homeownership dreams.

Building up your savings is a fundamental part of your home-buying journey. Whether you're purchasing next year or in the next few years, you’ll need funds for things like down payment, closing costs, maintenance costs, and even moving expenses. Once you’re done evaluating your finances, create a plan to save up for what you need. Here are some things you can do:

• Create a dedicated savings account and automate savings.

Having a separate savings account can help you stay organized and focused. You can track your progress and won’t be tempted to use your funds for other expenses. Consider setting up a high-yield savings account or a money market account to earn interest on your savings. 

• Set a down payment goal.

Before you can take out a mortgage, you’ll have to put down some of the cost upfront since a bank won’t loan you the full purchase price. This is why the down payment is often the biggest hurdle for many first-time home buyers. Your down will be a percentage of the total purchase price, and it’s typically paid in cash at the closing of the transaction. There are multiple factors to consider when deciding how much to save for a down payment, such as your price range for the home and the programs you qualify for.

• Consider ways to increase your income.

You might want to look for opportunities to make more money that you can put directly into your house fund. It could be asking for a raise at your company, moving into a new role with a better income, or picking up part-time jobs, freelance opportunities, consulting jobs, or side gigs that align with your skills and interests. And if you happen to have some tax refund or bonus at work, use the money to boost your savings and reach your goals faster.

Saving up for a house can be pretty intimidating, but it doesn’t mean sacrificing everything fun in your life. With a combination of strategy, discipline, and smart financial planning, it isn’t impossible to reach your savings goal that will help achieve your homeownership dreams.

Homeownership comes with a lot of expected and unexpected expenses that many first-time home buyers may not fully anticipate. When setting a realistic monthly budget for a home, here are some things to include:

Before the home purchase:

• Down payment

• Closing fees and other legal costs. Which typically range from 2-5% of the property's purchase price. Closing costs usually include attorney fees, title fees, as well as inspection and appraisal fees.

After the home purchase:

• Monthly mortgage payments, which is recommended to keep at or below 25% of your after-tax income to stay on solid financial ground.

• Home Insurance

• Property taxes

• Homeowners association fees, if applicable

• Utilities

• Regular maintenance, such as lawn/yard care and seasonal upkeep

• Unexpected repairs, such as broken appliances, damaged windows, etc.

No matter how exciting, buying your first home is a complicated undertaking. Would you want to risk your hard-earned money and your sanity going through the process alone? Building a team of knowledgeable and reliable professionals can make all the difference. Here are some of the people you need in your corner to help you streamline the process and avoid unpleasant surprises down the road.

• Real estate agent

Working with a local and experienced real estate agent can make the home-buying process less daunting. They can provide valuable insights into the housing market, share information about your target neighborhoods, negotiate deals on your behalf, and guide you through the complex paperwork. Look for an agent who knows your preferred areas inside and out, understands your needs and unique circumstances, and has a solid track record of helping first-time buyers in your price range. 

• Mortgage lender

Connecting with a trusted mortgage advisor will help you understand your financing options and give you a clear understanding of your buying power. Your lender will also help you track the best mortgage rate trends and explore tools to keep your mortgage payments manageable. A pre-approval letter from your lender also provides you with a clear estimate of how much you can borrow and shows that you're a serious buyer.

• Home inspector

Hiring an inspector who will thoroughly inspect the property’s condition will make sure that you can protect yourself from hefty expenses caused by unseen major repairs. They can easily uncover any hidden issues related to structure, electrical, or plumbing. The inspection results can help you and your realtor negotiate with the seller to either cover the costs of repairs, lower the home’s purchase price, or simply walk away from the transaction if the home is found to have some serious structural problems.

Other professionals that you may need in your team include: a financial advisor who will ensure you’re prepared for the financial responsibilities of homeownership, a home appraiser who will determine the value of the property for sale, and a real estate attorney who will review documents and agreements carefully for your peace of mind.

Finally, remember that any significant milestone in your life requires time and patience, including your journey to homeownership. Remember to set realistic expectations while staying committed to your goals. Be prepared for the ups and downs of the process, especially if you're in a competitive market where bidding wars are common and your offer might get rejected. Avoid rushing into a decision and trust that the right property that fits your needs and financial capability will eventually come along.

Planning to buy a home in 2025? With only a few days left ‘til the new year, it may seem like an extremely distant and daunting goal. But the good news is that you still have the whole year ahead of you, which means you can take it step by step. Getting started today is already a huge feat, so here's a comprehensive guide that you can use to navigate through this journey toward your homeownership dreams.

Buying a home is one of the biggest and most significant financial decisions you will ever make. This is why it's critical to ensure that your finances are in order. Homeownership is already complex as it is, so you need to have a clear understanding of your current financial status before buying. Here are some things to consider:

• Assess your savings and see if you have an emergency fund in place.

Start by evaluating your current finances, including your sources of income and savings. List down your after-tax income, cash savings, investments, and inheritances, making sure to leave out your retirement account. Ensure that you also have an emergency fund in place, which is recommended to be three to six months’ worth of living expenses to cover any unexpected costs. 

• Track your spending habits.

Tracking your expenses gives you a clearer picture of how you’re spending your money. Are you still paying for an unused gym membership? Are there any subscriptions you’re not getting your money’s worth? Have you been spending more on restaurant meals recently instead of cooking at home? When you closely monitor your fixed expenses as well as discretionary spending, you’ll be able to avoid impulse purchases and instead allocate the extra money towards your goal.

• Keep an eye on your credit score.

If you still aren’t keeping an eye on your credit score, now is the time to start. Your credit score is one of the foundations of buying a home as it can make or break your ability to get a mortgage. The stronger it is, the easier it will be for you to secure the best mortgage rates. Conventional loans often have a minimum credit score requirement of 620 or higher. On the other hand, programs like FHA loans may allow for lower scores. To prepare for a successful home purchase, it’s essential to boost your credit score in advance. Here are some steps you can take to strengthen your credit:

• Review your credit report from all three major bureaus (Experian, Equifax, and TransUnion) to ensure there are no errors. Dispute any inaccuracies as soon as possible as any mistake can harm your report.

• Pay all your bills on time.

• Pay down credit card balances and other high-interest loans to improve your debt-to-income ratio.

• Avoid opening new lines of credit while preparing for your home purchase.

• Understand market trends in your target area

Housing markets vary greatly. Some areas lean toward buyers, while others remain as seller's markets. In many areas, the housing market slows in the winter months and picks up in the spring and summer. This means that buying a home during off-peak seasons may give you more negotiating power while purchasing during peak seasons can increase competition. Understanding where your market stands can help you recognize opportunities and make informed decisions.

• Monitor interest rates

During your prospective purchase period, any potential changes in interest rates and housing costs could directly impact your purchasing power and monthly payments. Interest rates are still unpredictable, so it’s important to monitor them over time. If rates seem favorable, it may be worth locking in your rate sooner rather than later. 

Just remember that the perfect time to buy is when the home fits your needs, lifestyle, and budget, regardless of whether rates are up or down. You have the option to refinance later if rates improve.

Home loan programs aren't one size fits all. As a first-time home buyer, you’ll want to explore your options. Start by researching the different types of mortgages and loan programs available, as each loan type comes with its own benefits and requirements. Here are a few of them:

• Conventional loans are great if you have a solid credit score and sufficient savings as they typically require a 20% down payment but offer competitive interest rates.

Government-backed loans such as:

• FHA loans are geared toward borrowers with lower credit scores or smaller down payments.

• USDA loans often require no down payment and are perfect for rural and suburban buyers.

• VA loans are low or zero-down payment mortgage options perfect for eligible veterans, active-duty military members, and their surviving spouses.

• Other kinds, such as fixed-rate mortgages, adjustable-rate mortgages, jumbo loans, among others.

Understanding the various types of mortgages is essential so you can sort through your options and find the one that best fits your needs and financial situation. 

First-time home buyers often qualify for special benefits and programs, including lower minimum down payment, special grants, assistance with paying closing costs, tax credits, and other valuable resources to make homeownership more affordable. They may be available through the state, county, and city governments, so it's always worth checking to see the specific offerings available in your desired area. 

A quick web search will help you find specific sources of government help. If you want to take it a step further, contact your state or county housing authority. You may also reach out to your local government office and check if there’s any housing assistance department.

[To be continued…]

From December to February, the real estate market is at its slowest due to the holidays and the cold weather in many regions. But according to the National Association of REALTORS®, over 11,300 existing homes and 1,600 new homes are sold per day on average from December to February. 

That's still a lot of houses! The winter months certainly provide a different set of challenges and complexities compared to the peak-selling season of spring and summer, but they do have several benefits. Sellers can take advantage of the less competition in the market during this period, while buyers have more negotiating power as homes stay longer on the market. Here are some things you should know about buying or selling a home in winter so you can take advantage of the season’s unique upsides.

For Sellers:

You've probably heard that winter is a tough time to sell a house. Traditionally, it was. Fewer people were looking to sell in the winter months because in many regions, the weather is not as nice and it’s difficult to improve a home’s curb appeal. 

However, this has become less of an issue due to the widespread use of real estate technology. The seasonality of house sales has become less of a concern since there are home-buying apps and virtual home tours now available. Even if the weather’s cold, buyers can now view the home from their computer or mobile device so they can get a good insight into the property. Online property portals also provide a platform for endless images and videos of a listing. Video messaging apps, such as Skype, Messenger, or FaceTime, also make it easier now for real estate agents to carry out live tours and Q&A sessions regarding the property.

Of course, virtual tours can never replace in-person visits. After all, buying a home is a huge commitment so serious buyers will still want to visit the home at some point. But because of these tools, the winter months are no longer as difficult a time of year to sell a home.

Staging is a crucial element when selling your home. To specifically appeal to winter buyers, you may need to make small but effective changes to make your home stand out. Here are a few tips to make your home as inviting as possible for a showing:

• Ensure that your home is well-lit. Since a home will appear darker and less appealing in winter, lighting goes a long way to make your home seem welcoming. Bring in as much natural light as you can by pulling all the curtains to the side of the window. To better accommodate viewings after dark, brighten your home's exterior by having plenty of porch lights, decorative lanterns on walkways, and attractive side lighting to create a warm glow. 

• Make sure the holiday decorations do not overpower the space. If you’re selling around the holiday and have put up decorations, keep it simple. If you’re selling once the holidays are over, carefully consider your displays so your house won’t show wreaths and reindeers in the middle of January.

• Avoid showing a winter wonderland. Snow looks great in photos, but buyers would want to see details of the property, not a blanket of snow. Have photos of your home in clear weather for buyers to see.

During the busy spring and summer months, many people attend open houses without a clear plan to buy. In winter, though, it's different. If anyone is looking at your property for sale this time of the year, chances are that person is serious and ready to buy. They’re breaking away from their hectic holiday schedule or spending their time off attending house showings despite the freezing weather. These winter buyers could be working against a deadline, whether it’s a job relocation by the start of the year or an expiring lease on their current home. They may also be trying to snag some tax breaks before the end of the year.

For Buyers:

This is probably one of the major advantages of buying a home in winter. It's a great time to see how energy-efficient the home is, especially in parts of the country where winters can be harsh. Savvy buyers are more interested in seeing the property when the weather is at its worst. Because when buying a home in the spring and summer, it might not even cross your mind to evaluate the efficiency of the insulation, windows, fireplace, furnace, and water heater. These are essential considerations, though, especially if you want to cut energy costs during colder months.

It's a fact that fewer people put their homes up for sale during the winter, which means a lower inventory. But at the same time, winter can be advantageous to you as a buyer since there is less competition from other prospective buyers. There’s less movement and it’s less busy, making the whole process a little less stressful for you. Moreover, you can have more negotiating power since sellers may be more motivated and willing to accept offers. These motivated sellers might also be willing to offer you off-season discounts and negotiate on all other terms, including the closing date.

If you close on your home purchase on or before December 31st, you can enjoy some tax deductions for mortgage interest, property taxes, and interest costs of the loan. If this is one of the reasons you're aiming to make a move during the holidays, make sure you consult your trusted real estate agent and a tax professional to fully understand and take advantage of the tax benefits associated with homeownership.

For Buyers and Sellers:

Whether you're selling or buying a home, having a trusted and knowledgeable real estate agent by your side can make a huge difference in your real estate journey. During peak home-selling seasons, though, their schedules can get crazy. So even the best real estate agents can have a challenging time in providing their undivided attention to dozens of clients. 

With fewer listings on the market in the winter, agents have more time to provide you with personalized support during your house hunting or home selling. They will also have more time to arrange showings, host viewings, assist with market research and pricing, and help you negotiate the best deal for you.

During house-hunting, it isn't just the house itself that you have to consider. The property’s location still plays an important role, especially its surrounding areas and the neighborhood. A home’s proximity to a school will likely be one of the many factors you consider, whether or not you have children. 

If you're interested in a home near a school, you should understand how it might affect your day-to-day living situation. With school in session 180 days a year, you should weigh the advantages and disadvantages before deciding. To help with your homework, here are some pros and cons to consider before buying a home near a school.

PROS

School drop-off and pick-up can get chaotic and dreadful. The line of cars moves slowly, wasting so much of your time, especially during mornings. Just as you'd factor in a work commute, if you have children, you should also consider how long the car line will take when dropping them off at school. While the school bus can also be a convenient option, it may mean that your kids need to get ready early so they won’t miss it. Living close to their school means you can skip the drive and just walk, getting that much-needed exercise as a huge bonus. Your mornings will be easier and faster, and your kids can get home quickly after a school day.

Schools prioritize safety. Many schools have tight security measures around their campuses. Police and local law enforcement also have a more active presence near schools and surrounding neighborhoods. If you're a home buyer who is looking for a safe community, living near a school or within a school district can be beneficial for you. Of course, this might not apply to every single community, so don’t forget to check the local crime maps to verify information about neighborhood safety in general.

Schools, especially in small towns, usually have a track or a playground that can be accessed after the school day ends. Even if the children don't attend school, they could play at the school park just like they would at a public park. This could include swings, monkey bars, basketball courts, and track and field, among others. It’s a great resource to have close to your home since it encourages your kids to spend time outside and be active. Just do your homework before choosing a home based on this information since larger school districts often set their school grounds off-limits to the general public.

Schools also promote a sense of community, often providing social activities for children and adults alike. Weekend community markets, craft fairs, and sporting events are just some of the things you could look forward to participating in and enjoying when a school is near your home. In small neighborhoods, schools also serve as community centers in addition to providing educational services, so you can expect to see adult education classes or club activities post-school hours.

Expect that homes near what is considered a good or excellent school district have a higher price tag when you buy. If the house is within walking distance of the school, it's even more desirable to parents and families and often has a higher resale value.

CONS

One of the biggest issues when it comes to living near a school is limited street parking. Unless there's a large parking lot on the campus, school staff, parents, and students might park all along the street during the school day or special events in the evening. When house-hunting, you might want to look for a home with a spacious driveway or prepare to be amenable when the majority of people park on the street.

Let's face it: schools are noisy. Living near a school can expose you to all kinds of noises—loud cheers during sporting practices, PA system broadcasts, and band practices, among others. Living right next door or across the street means noise can be a nuisance, so don’t forget to factor in noise when looking for a home near a school.

Similar to parking issues, living near a school can mean dealing with heavy traffic. Expect idling cars of parents or guardians, buses shuttling kids to and from school, and traffic issues during special events such as plays, sports games, and parent-teacher conferences. Car crashes are also frequent since many students new to driving are more likely to have accidents. So before buying a home near a school, consider traffic and assess whether it's a dealbreaker for you. You might need to plan before running errands or visiting places so you won’t get stuck on the road during the school’s rush hours.

Last but not least, living near a school means you'll see a large volume of children all over the neighborhood, especially during after-school hours. The problem is that some kids might even loiter or trespass on your yard, sometimes unintentionally since they might not yet understand that they should keep off other people’s property.

Bottom line

As with any location, living near a school or within a school district has its pros and cons. Can you tolerate the noise levels and prioritize safety for your kids? Will you be okay even if there isn't enough parking space? Do your homework and weigh all of the pros and cons carefully before making your decision.

Something is creaking on the topmost floor, and yet you all know that no one's there. Why did your door slam shut seemingly by itself? Could ghosts be causing your lights to flicker? You love your home, but it seems to be producing a variety of creepy and unexplainable noises. Sometimes, experiencing only one or two things is enough to suspect your house might be haunted.

And since it's Halloween, it’s easier to think that there must be some supernatural connection to these eerie property issues. But before you get the jitters, chances are that a lot of these ‘hauntings’ and happenings have not-so-scary reasons as to why they occur. Here’s a look at some of the most common issues in your home that may be causing the hair on the back of your neck to rise, and a few simple fixes to ease your mind.

Spooky problem #1: Flickering lights

Are the lights in your home turning on and off at random times? It's easy to regard this as a paranormal phenomenon, especially if you’re home alone and need to go to the bathroom in the wee hours of the morning. But rather than ghosts or ghouls causing this unearthly scene, the flickering is most likely due to faulty wiring, loose bulbs, or fluctuating voltage. 

In older houses, flickering lights were almost expected since electrical wiring wasn’t always up to modern standards.

The fix: There could be a dozen reasons why lights flicker, and many of them can be dangerous. You could do some minor fixes, such as making sure you installed the correct bulb with proper wattage or that the bulb is tightened properly. And instead of calling an exorcist, get a licensed electrician to inspect your property. Depending on the age of your home and whether there have been any electrical upgrades performed, you may have knob and tube wiring which can become loose or damaged over time, a defective switch, or an overloaded circuit — all of which should be handled only by a professional to ensure that your home is up to code.

Spooky problem #2: Creaking floors

It's the middle of the night and you’ve stopped whatever you’re doing to listen closely. It’s that creepy creaking noise! No wonder you’ve got goosebumps. But several potential factors could be the reason for your home’s creaking floors. The paranormal, fortunately, or unfortunately, isn’t one of them. Creaking spots are common on hardwood, laminate, vinyl, or even carpeted floors. The change in weather in regards to humidity and cold can cause your substructure to expand and contract seasonally. 

Likewise, sounds that resemble footsteps can be due to the settling noises in the structure, which are common occurrences in homes with larger open spaces or attics. An improperly fastened subfloor can also cause creaks when you walk over areas where screws or nails may have loosened or possibly were not fastened correctly.

The fix: Hiring a handyman or a carpenter is your best bet to fix the problem. Since your floor joists can buckle and twist due to weather or settling, you may require joist bridging to help eliminate the twisting and causing further issues which result in more creaks.

Spooky problem #3: Cold spots in certain areas

Cold spots don't automatically mean there’s a ghost nearby or a spirit passing by. Cold spots are common, especially in older and multilevel homes. They may be due to insulation not being properly installed, is actually nonexistent, or was damaged in some way. Or it could be due to some gaps or cracks in windows or siding that are letting in more air, causing a cold spot or draft. 

The fix: There are several ways to eliminate cold spots. You may add insulation and seal any gaps under doors and windows by using caulk or weatherstripping. If there’s an issue with your HVAC system itself, an expert will be able to offer solutions to fix it.

Spooky problem #4: Doors that open or close on their own

Whether or not you believe in the supernatural, doors that would slowly creak open on their own feel like a scene from any horror movie. Rest assured, it's only normal because as the house begins to settle over time, the door frames can become unlevel and out of plumb. This can cause the weight of the door to close or open on its own.

The fix: To stop being haunted by a door that’s opening and closing by itself, it’s better to bring in a qualified carpenter to align the hinge and fix the issue, especially if you can’t DIY.

Spooky problem #5: Scratching inside the walls and/or in the basement

Hearing scratching noises and scurrying at night? It can be terrifying, yes. But with the colder months just around the corner, the more plausible explanation is that there may be critters in your wall. Animals such as rats, squirrels, and even skunks and raccoons, can find their way into your home through openings in your crawl spaces and cause a variety of problems. Moreover, the bacteria from their wastes and/or carcasses can become airborne and cause toxic health hazards.

The fix: Unfortunately, calling Ghostbusters in this kind of situation isn't gonna help. Depending on what critter is involved, a pest- or animal-control service may be what you need. You can also mitigate the problem by investigating and sealing off possible entry points with a metal screen or wood. Clean your backyard and garage, keep your garbage cans clean and tidy, and make sure pet food and birdseed are stored in gnaw-proof containers.

Selling a home can be a complex and stressful process. Even in the best market conditions, whether you're a seasoned pro or a first-time home seller, reset your expectations and adjust your sales strategy accordingly to get your home sold for the price and terms you want. 

This guide outlines six of the best habits of highly effective home sellers. However crazy the real estate market gets, you can adapt these practices—from being proactive in maintaining your home to having the right mindset—to help achieve your goals and sell your home at the best possible price.

One of the best habits successful home sellers have in common? They hire a good, reputable realtor. Not only do real estate agents have the knowledge and experience necessary to help you with all the key points of the sale. They also have the network and tools to boost your home's marketability.

Even if you think you understand the complicated process of home-selling and have the talent to go the FSBO (For Sale By Owner) route, you must still be familiar with the laws and regulations of the real estate industry. Having a listing agent by your side to answer any questions, set the right price for your home, vet offers, avoid wire fraud, and negotiate deals on your behalf will ensure you avoid pitfalls and/or unexpected headaches. Successful sellers recognize what a realtor could bring to the table. You don’t go to war without wise guidance, after all.

One of the biggest temptations when selling your home is to list it “as is,” which means the property is being listed in its current state without making any repairs. But putting your home in the market “as is” can seriously limit your pool of potential buyers. Aside from the fact that your home might not get the first good impression that is critical to a successful home sale, buyers might not be able to secure financing if the property is in poor condition. 

While you might not want to invest a lot of time or money into your home, it's best to address essential repairs and prep it before selling. The cheapest thing you can do is to schedule a deep cleaning and decluttering. Then, take care of any necessary repairs and touch-ups, like fixing that hole in the screen door or refreshing your carpets. Be proactive in ensuring your home is in tip-top condition so you can present your home in the best light possible to attract offers, especially in a slow housing market.

Setting a realistic price that aligns with the current market is crucial in securing a home sale. If the home is overpriced, you can lose out on a lot of potential buyers and lose precious momentum. The property then stays on the market for longer, and you will have to gradually slash the price. Buyers might think there's something wrong with the property and that you’re desperate, opening doors for them to present lowball offers.

Although pricing a home can be tricky, the key is to not let your emotions guide you in coming up with a pricing strategy. Instead, work closely with your real estate agent to perform a comparative market analysis on your home. They will look at recently sold properties in your area to give you a better idea of a fair price range for your home. When your home is priced right, you’ll attract serious buyers and increase your chances of a successful sale.

When selling your home, it's in your best interest to stay open-minded throughout the whole process. Understand that the highest offer might not necessarily be the best, especially when there are other factors to consider. Broaden your perspective beyond the price tag and consider the buyer’s overall financial profile, the contingencies presented, and the closing timeline, among other things. Cash offers could also go sideways when there’s been a change of heart from an investor or a wealthy buyer. Keeping an open mind and a willingness to negotiate is the key to an effective sale.

Flexibility is the name of the game for many successful home sellers. They plan for showings, making sure that their home is ready to accommodate prospective buyers and that they have somewhere to go during the house tour. They're also open to possible last-minute requests and are generally as flexible as possible, especially during showings in the evenings and on the weekends. This can help build trust and credibility among buyers. The more people can tour your home, the better your chances of receiving a strong offer, especially in slow real estate markets.

For many people, pets are considered as part of the family. They probably have their favorite spots in the home, together with their bed and toys. But when it comes to home showings, it's best to not let them roam around the house. A potential buyer could be allergic to pet dander or just don’t like pets at all. Also, your pets could bolt for the door and escape while there’s an ongoing tour. The last thing you’d want is for the buyers to get distracted and not be able to focus on your home and its condition. 

So take your pets with you when you schedule a showing. Since first impressions are critical, remove any signs of them and clean their areas. If you can’t take them with you, make sure to keep them in a comfortable spot in the home and give your agent the heads-up on what to expect.

It's no secret that the spring and summer are the peak seasons for buying and selling real estate. If you’re relatively new to the housing market, you might be tempted just to get cozy this fall and wait for the market to peak again in spring. But why not break the mold and find your dream home this season? Here are five reasons why fall can be a great time for your house-hunting.

Bottom line

Ultimately, each season has its own advantages and disadvantages when it comes to buying or selling a home. The best time to buy can be different for everyone, regardless of the season. Not to mention that every housing market is different. If you're convinced that fall is the best time for you to purchase your forever home, work with a knowledgeable and trusted real estate agent who can give you insights into the local market conditions and help you navigate the home buying process with ease and confidence.

Summer is almost over in most parts of the country. Soon, the leaves will turn all sorts of lovely colors and a cool breeze will fill the air. For homeowners, fall is also the time to do some crucial lawn and yard maintenance. 

Cleaning up your yard in the fall can provide a plethora of benefits—from keeping unwanted pests away to giving your lawn and landscaping a lush head start come spring. Use this checklist as your guide to help you tackle a couple of tasks a day. And if you can get started early and do them regularly, it'll be for the better to avoid getting overwhelmed when the busy holiday season draws neare

• Rake fallen leaves regularly.

Raking leaves may seem endless, especially with fresh layers piling up on the ground every minute. But it's probably the only crucial task to do even just a little bit every day before winter. Dead leaves, acorns, and other debris that sit on your lawn for too long can smother the grass, prevent growth, or cause a build-up of mold or bacteria that can cause damage. If left over the winter, they can become a heavy, wet barrier that promotes rot and prevents your grass from breathing properly. Also, mice and other pests can find a safe haven under those leaves and weeds. Staying on top of raking will not only make the job much less stressful but will also prevent problems with your yard’s drainage.

• Clear out garden beds and put away plant accessories.

Fall cleanup is a great way to get your garden ready for winter, so don't forget to clean out your garden and flower beds. Remove all plant debris before the ground freezes or after the final harvest of the year to help prevent insects and diseases from returning even stronger the following spring. As you clear out all leaves and weeds, put away garden items such as labels, stakes, cages, and trellises, as well. Clean them to kill any infections and store them so they’ll be ready to reuse next year. 

• Remove weeds thoroughly.

Common lawn weeds are tough and will start proliferating as the temperatures cool off in the fall. And any that didn't die during the winter months will just come back stronger and more stubborn next spring. Make sure you thoroughly and regularly weed your garden and other landscaped areas so you will have fewer to deal with next spring.

• Add a fresh layer of mulch.

Once you're done cleaning your garden beds, applying a healthy layer of mulch on your plant beds and around trees, shrubs, perennials, and annuals will help keep them healthy through the winter. It helps the plants stay warmer and give their root systems extra protection against the cold elements. Adding mulch to your plants also helps prevent soil erosion and suppress weeds. You can opt for organic mulch such as straw, grass clippings, mulched leaves, and even pine needles to save money and add essential nutrients back into the soil.

• Keep your trees and shrubs hydrated.

Winter conditions can be harsh and dry. Providing plenty of water for your trees and shrubs, whether newly planted or already established, will help them better withstand the harsh winter and avoid sustaining serious damage to their roots. If there is no snow on the ground or there hasn't been any decent rain, keep them well-hydrated so they can come back faster and stronger in the spring.

• Prune dead branches and limbs.

Another important aspect of fall yard cleanup is removing dead or damaged branches from plants and trees. Dead branches can be a liability in the winter as heavy snow can cause them to break and cause more damage than if the limb had been pruned. They can even fall on your property in the event of extreme weather or wind. While you don't want to remove the branches too late in the season, it’s recommended to wait until after the leaves have fallen off your trees completely. Inspect your trees for any damaged or compromised branches, trim any overgrowth, and cut cracked, loose, or diseased limbs close to the trunk. Fall is also the time to prune spring-blooming perennials like lilacs, as well as shrubs that are prone to ice damage. Just take care not to prune any live or healthy branches so as not to damage your plants.

• Continue mowing your lawn.

Summer might be ending, but it doesn't mean the same when it comes to mowing your lawn. Fall is the best time to mow your lawn to help it finish strong for the year and grow lush in the spring. Frequent mowing helps to thicken up the lawn, control weeds, and prevent it from matting, which makes it prone to fungus, such as snow mold.

• Empty porch pots and containers.

The winter months can cause certain containers to chip and crack. Terra cotta pots, in particular, are easily susceptible to the freeze and thaw cycle. After cleaning your pots, store them in a dry, protected area, such as a shed or garage. If you do not have the extra space indoors, empty the pots, store them upside-down against the side of your house, and cover them with a tarp to keep the moisture out.

• Clean and organize your gardening tools and gear.

Gardening season is almost over and you're preparing for a well-deserved break. But before cozying up indoors to enjoy a cup of your homemade pumpkin spice latte or warm hot chocolate, don’t forget to give your tools and equipment some TLC before you stow them away. Remove dirt from hand tools such as garden trowels, weeders, as well as shovels and spades. Empty and wash out spraying equipment. Sharpen the blades of pruners and mower blades, then coat them with a bit of vegetable oil to prevent rust. Making sure that all of your gardening tools are properly cleaned and stowed for the winter will prevent them from becoming dull, worn, or defective when you’re itching to get back to gardening in the spring.

• Drain hoses and irrigation systems.

Lastly, before the freezing weather sets in, drain water from hoses, sprinklers, and drip irrigation systems. Standing water inside hoses and pipes can freeze, causing them to split or crack as they are incapable of handling the pressure of water freezing and expanding. This can cause water to seep down near your home's foundation or cause other structural problems that are challenging and costly to fix.