The longer you live in your home, generally the more repairs you’ll have to perform. Live in your home for 10 or more years and you could easily spend $2,000 a year on maintenance and repairs. That and the fact that your family dynamic has grown or shrunk significantly have inspired you to move. But, there’s this big catch.

Stop robbing yourself of the chance to move on

You keep pumping the brakes just as you near closing. This house that is costing you upwards of $2,000 a year has become your baby. You complain to friends about the leaks, worn roof and old kitchen cabinets. Yet, you also complain about every potential buyer who attends an open house or staging event at the very house that you put up for sale.

Make it easier on yourself and potential buyers. Set aside one to two days to discuss how you feel about your house, selling your house and moving into a new home.Talk it over with a family member or a friend. Think about the advantages of buying a new house. For example, buying a new house could lower your home repair costs. It could also shorten your commute to work or reduce your monthly mortgage payments.

After you are certain that you’re ready to move forward with the sale of your house, steer clear of clogging the house sale process by:

  • Talking with people who attend open houses that your real estate agent organizes without interviewing the potential home buyers
  • Removing family photos and personal decorative items out of staging rooms
  • Staying away from contradicting your real estate agent when she answers a potential home buyer’s question
  • Leaving your home during a home staging or open house
  • Spending personal money on furniture and other home staging products

If you’reselling your house through a real estate agent, ask the agent if there’s anything that she needs your help with regarding staging your home. Costs of staging your home might be included in your real estate agent’s fee.

Should you still find it difficult to step aside and let your agent interact with potential buyers, discuss your concerns with your real estate agent. She may have had similar experiences with previous home sellers and might be able to offer tips on how you can better transition through the home sale process.

Another action that you can take is to focus more on shopping for your new house. This way, you won’t feel as if you’re losing by letting go of your home. Visit neighborhoods that you’re interested in moving to. Check out videos of new houses online. Start talking to people who live in communities you want to become a part of.

If you’ve lived in your house for several years, it may be challenging at first. But, you can adjust to leaving your current home and moving into a new house. To enjoy a successful home sale, accept the idea that other people are going to live in your house, making it their home. You’ll do the same as well when you move into a new house that matches your family’s needs.

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It makes good sense to buy a home on active duty, especially when you consider low mortgage interest rates, job stability and the range of approved Veteran’s Administration (VA) lenders. Buy a permanent home while serving on active duty and you could take advantage of home allowance assistance. Get a VA loan as soon as you qualify for the loan based on your length of military service and you could also use your home allowance to help pay off the life of your mortgage.

Choosing the Right Location is Key
Even with these benefits, you might drag your feet, opting to rent versus buy. It’s understandable. Few people relocate and move to a new house as frequently as active duty military members. Here are ways that you could determine if you’re ready to buy a permanent home on active duty and how to identify a permanent home location that may be right for you and your family.

If you’re close to your immediate family and know that you’re going to settle down in the town where you were born and raised after you finish your military service, you could buy a house there while you’re on active duty and rent the house out. You could even rent the house out to older relatives who are going to college or other active duty members stationed in the town.

Feel a strong connection to an area you were stationed in? Discuss buying a home there with your family. Turn the house into a rental property until you complete active duty. Similar to how people rent out summer homes, you could only rent out your house while you’re away, and stay at the house during long vacations.

Another option is to buy a permanent house where you’re currently stationed. If you’re married, your spouse could live at the house if you’re deployed or stationed away from home. If you choose this route, watch the housing market, so that you buy when housing prices, including interest rates, are down and sell when housing prices are up.

Documents that Help Secure Military Mortgages
After you identify where you want to live, start getting documentation together that you will need when you meet with lenders. Items that you may need to present to lenders include:

• Tax returns
• Letters from the Internal Revenue Service laying out a payment plan should you be behind on paying your taxes
• Bank statements
• Monthly credit union statements
• Housing allowance assistance documents (that show how much housing allowance you receive each month)
• Statement of Service
• Certificate of Eligibility
• Proof of residency
• Paystubs
• Driver’s license or passport

Work with reputable lenders. Make sure that you can absorb your current living expenses as well as pay for a permanent home. Should you make adjustments to pay off a permanent home, such as renting out a portion or all of the house, while you’re in the military, you could be able to keep more of your retirement pay.

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