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Laundry Mistakes You Could Be Making

October 22nd, 2019 by tisner


Laundry.  For some, the word causes some dread, for others, it’s just another job, and for the rest–well, it seems as if they went to a laundry boot camp!  With so many different washers and products available, it’s easy to think that the machine will tak
e care of everything, but that’s not always the case.  Are you making any of these mistakes? 

  • Load size is important when you’re choosing your wash cycle and amount of detergent.  Too many clothes and they won’t get clean and adding too much detergent can cause the clothes to have more stains and residue.  The Spruce tells you how to figure out how much laundry your washer tub can hold. 
  • HE machines are just that–high efficiency.  They use less water and energy, but too much detergent can cause the machine to sense the extra suds and begin a second rinse cycle.  That’s not very efficient. 
  • Using fabric softener for all types of clothing isn’t necessary.  Athletic wear doesn’t benefit from the agents in the softener and defeats the purpose of moisture-wicking fibers.  Hang those to dry.  Towels will be just as soft without softener and dried in the dryer.   
  • Letting stains dry is never a good idea.  Sure, we have powerful stain-fighters easily accessible, but not every stain comes out.  The American Cleaning Institute Stain Removal Guide has a solution for almost every stain under the sun! 
  • Hand washing labels are there for a reason:  those items need gentle treatment. If you don’t have time to soak and swish those pieces in the sink, use a garment bag and the delicate cycle on your machine, and air or hang to dry. 
  • Leaving zippers down can cause distress to the zipper and break them.  On the other hand, washing a shirt left buttoned up is more likely to lose those buttons because of the pull on the fabric. 
  • Extra bleach sounds like a great idea when items are especially dirty, but it will cause the fabric to yellow and break down much faster.  Use the recommended amount on the bottle. 
  • The high heat setting should not be your default drying cycle.  Save that cycle for towels and whites.  Clothes may take longer on the low heat cycle, but the lower temperature helps save your clothes from fading and shrinkage. 

Don’t forget to keep your dryer running smoothly by cleaning the lint screen after every load you dry.  Change your way of thinking about doing laundry–instead of a job, it’s a process!  It may add a few minutes to this chore, but you’ll benefit in longer-lasting clothes and less energy use, saving money in the end. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: homestructions

FHA is a Good Option

December 1st, 2017 by tisner

FHA insured mortgages serve a sector of the market that is not necessarily being met by other loan programs.

Securing an 80% conventional mortgage that doesn’t require mortgage insurance may be the lowest cost of financing but if the buyer doesn’t have 20% down payment, it isn’t really an option.42257772-250.jpg

Securing a 100% VA loan doesn’t require a down payment or mortgage insurance but if the buyer isn’t a veteran with his/her eligibility intact, it isn’t an option either.

There are conventional loan programs with as little as 3% down payment but they not only require mortgage insurance, they also require a credit score of 740 or above which may eliminate some buyers.

For these reasons, FHA is a viable alternative to about 20% of new and existing home sales. The Federal backing of these mortgages makes it easier for first-time and low-income buyers to qualify because the requirements are not as demanding. They’re even more lenient towards buyers who have previously experienced bankruptcy, foreclosure or a short sale.

Finding the right mortgage for the right home is a team effort where both mortgage and real estate professionals work in harmony to get a buyer into their own home. Call us at 407-566-1800 for a recommendation of a trusted mortgage professional.

General FHA loan requirements include:

  • The loan is for primary residences only but can include two, three or four units.
  • The property must be appraised by an FHA-approved appraiser.
  • The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development.
  • The borrower must be a legal resident of the U.S. and have a valid Social Security number.
  • The minimum credit score of 580 with a down payment of at least 3.5 percent, or a minimum credit score of 500 with a down payment of at least 10 percent.
  • The borrower may not have delinquent federal debt or judgments, or debt associated with past FHA loans.
  • The borrower must have steady employment history.
  • Documentation is required if the down payment was gifted by a family member.
  • The borrower must have a debt-to-income not exceed limits of 31% for front-end and 43% back-end ratio (some exceptions may apply).
  • Any judgments or collections on the credit report must be resolved or satisfactorily explained.

By: PatZaby.com

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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