Spring has arrived, it’s time to get your backyard ready for spring! Good news, you have a backyard in your new home at Spring Mountain Ranch in Riverside, CA that needs to get ready for this, the best of all seasons! Just follow the tips we’ve outlined for you here, and in time you’ll have a backyard that is ready for entertaining and just enjoying the outdoors.

Spring Mountain Ranch

 

Plant your garden for Spring

We all know the therapeutic value of digging your hands into dirt, and now you have a great reason to do just that. First step is to prepare your garden. Clean out the space of debris, revitalize the soil, trim old plants, add mulch, and you’ll be ready to plant new flowers and shrubs. Our favorite flowers for Spring planting? Pansies, snapdragons, lilacs, and tulips. TIP: Tulips need four to six weeks of chill in the vegetable bin of your refrigerator. And don’t forget the veggies. Check out some great tips here: https://www.huffingtonpost.com/home-advisor/5-essential-spring-gardening-tips_b_7025676.html.

Create space for outdoor dining

Have you discovered that food tastes better when eaten outside? So create enough space for outdoor dining, and be sure the design makes sense. For example, place outdoor tables near the kitchen for easy transfer of food. If you decide to build an outdoor kitchen leave room for your guests to move between the kitchen and dining table. Still don’t think you’ll have enough sitting space? No worries, you’ll always have those guests who like to roam and mingle while they eat.

patio area

 

You’ve made space, now design it

Since you need places for your guests to sit, why not make the seating part of your outdoor design? Add colorful throw pillows here and there and a table covered with mosaic tiles. A wall mounted sun face, metal sculptures, even wind chimes will turn your backyard into a beautiful and peaceful oasis.

Music is the spice of life

Nothing livens up a backyard gathering like music. Set up some outdoor speakers and break loose with some impromptu dancing. This may sound like an expensive undertaking, but it doesn’t have to be. Whether you prefer aesthetically pleasing, wireless, or even speakers that look like rocks to blend in seamlessly, you can get great sound for under $200. Learn more here about how to easily and affordably bring music outdoors: https://www.tomsguide.com/us/best-outdoor-speakers,review-2785.html.

Don’t forget about the kids 

Right up there with music, the best sound in the world is children’s laughter as they run and play. So create a place in your backyard where the kids in your life can have fun. Play sets are great, but don’t invest in one that takes up a lot of space. After all, what kids love more than anything is having plenty of room to run and roam.

kids playset

Welcome Spring and good times outside 

Now that you have your dream home, it’s time to have your dream backyard. Take advantage of the perfect weather that Spring brings in Riverside. Kick back, eat good food, enjoy your friends, and watch the kids play. Life just doesn’t get much better than that.

As with everything else, when buying a new home, knowledge is power. The more knowledge you have, the easier the process of buying a new home will be. So get over your fears and start to understand this process. Here we’re going to help you understand your credit score and how to increase it.

Credit Bureaus

These are the companies that can make or break your chances of getting a mortgage, because lenders look to them to determine your credit worthiness. The major credit bureaus are Experian, Transunion, and Equifax, and the information they provide to lenders makes up your FICO score. Not all lenders pull information from the same credit bureaus, so it’s best to know what your credit score is from each of them.

Credit Scores

What does a credit score mean? It’s a number between 300 and 850 that is based on your credit history. And when it comes to qualifying for a mortgage, your credit score means everything. Not only will it determine if you will get a loan, but will also play a role in what kind of interest rate you will be paying. It’s easy to find out your credit score. Lots of banks offer this service to their customers free of charge. There are also many sites on the internet that will provide you your credit score for free.

What can affect your credit?

There are many factors that can positively or negatively impact your credit, such as debt-to-income ratio, payment history, how long you’ve had credit, the types of credit you have, your credit limits and how much of those limits you’re using, and hard inquiries on your credit report. Sound like a lot to learn about? Don’t worry, we’re going to break them down for you here.

Debt-to-income ratio and credit limits

Your debt-to-income ratio is determined by how much of your monthly income goes to paying debts. Lenders will worry if they think you are over-extending yourself. So they look at this ratio closely, especially because your mortgage payment should be no more than 20-25% of your income. Same goes for your credit limits. Lenders will look at how much of your credit limits you are using, as this can also be an indicator that you may be over-extending yourself.

Payment history and how long you’ve had credit

Your payment history is the single most important factor that determines your credit score. It is essential to pay your bills on time. Even one payment that is overdue by 31 days can lower your score by over 100 points. The longer you’ve had credit, the easier it is for lenders to determine if you pay your bills on time.

Types of credit you have

Lenders look at what types of credit you have, whether it’s credit cards, auto loans, student loans, or mortgages, and how faithfully you pay these debts. So you’ve been late a time or two in paying your credit card bill or student loan? Probably not too big of a deal. But if you’ve been late paying your car note or mortgage payment, even once, that’s a whole different story.

Hard inquiries on your credit report

Every time a creditor looks at your credit score to determine if they want to extend credit to you, it’s considered a hard inquiry and will lower your score by a few points. Soft inquiries, on the other hand, do not affect your credit score. Examples of soft inquiries are those made by charge card lenders (such as your Target card), or when you check your own credit.

The good news: you can increase your credit score  

If all this talk about credit has your mind reeling, don’t worry. It’s not all doom and gloom, though it may feel that way. You do have control over your credit score. Obtain your FICO score and look for incorrect items, then file an appeal with the credit bureau that has the incorrect information, and have it removed. What is the single best way to improve your credit? Get yourself a Visa or Mastercard and pay the balance in full every month.

Back to the basics: knowledge is power

The more you know about your credit, the better your chances of obtaining a mortgage for that dream home you’ve wanted for so long. So arm yourself with everything we’ve taught you here, and go out and buy yourself a new home!

Approved stamp

 

More people than ever are now running their own business or telecommuting. The floorplans at Spring Mountain Ranch are designed with flexible space to accommodate this new trend. Working from home has a lot of awesome perks: no sitting in traffic, making your own schedule, working in sweats (this one is our favorite!), and creating an office where you will love to work. The first three perks are effortless, and with the following tips, the last one can be too.

Be kind to your body with correct ergonomics

 It may be tempting to work on the couch, but your body will thank you for it if you don’t. Purchase a quality adjustable chair and a desk that is the perfect height so you don’t have too reach up or down to work. Use keyboard and mouse supports to take pressure off your wrists and hands. If there’s room in your budget, invest in an adjustable computer station that will allow you to stand up while you work.

Equip your office with everything you need to work efficiently

Having the right equipment will improve your work flow. You’ll need a quality printer with a scanner, file drawers to keep you organized, and plenty of storage space to prevent clutter. Place a few comfy chairs or even a small couch in your office to accommodate guests or for those times you need a cushy place to do some brainstorming.

Create space that feels good

Goodbye drab cuticles, hello inspiring work space! Choose your office décor with as much thought as you chose your home décor, and you will look forward to going to work every morning. Plants are a great place to start because they will soften the look of your office. Paint the walls with colors that energize you, like yellow or bright white. Adorn your walls with art. Position your desk in a way that allows natural light to flood your work space, and lets you enjoy the mountain views that surround Spring Mountain Ranch.

Let your personality shine

You’ll be spending a lot of time in your home office, so design it to reflect your unique personality. Check out websites like Pinterest and Houzz for inspiration, or just let your creativity guide you. This is your space, so make it all about you.

Dream home, dream home office

You have your dream home and your dream job, now it’s time to create your dream home office. Use our tips to help you make yet one more dream come true!

home office 1  home office 2

With a few simple touches you can turn your new house at Spring Mountain Ranch in Riverside into a home

Buying a new house is a big deal. Turning it into a home is just as big of a deal, because home is your oasis, the place where you are most comfortable. So it should be a place where you love to live your life and where you are happiest. It doesn’t have to cost a lot of money or take a lot of time, because creating a home simply means filling it with the things, and people, that you love. We want to share with you a few ideas on how to make the process fun and affordable.

Adorn your home with art

This may sound like an expensive undertaking, but it’s really not. Art is not about the price tag, it’s about how you feel when you look at it. So go to a local gallery or a street fair and just look around until you see something that touches your soul. You’ll know right away when you’ve found something that moves you. And remember, art is not just about paintings. It can be a vase, a family heirloom, really anything that expresses who you are.

stereo system on cabinet

Create a centerpiece

Here’s where you get to splurge. Treat yourself to one piece of furniture that you love. Then make it a centerpiece for your home. It could be a sofa that defines your great room, shelves that line an entire wall where you can display your favorite books, or a hutch with a glass door where you can show off the China that Grandma gave you or the crystal you received as a wedding gift.

formal dining room

Adopt a pet

Animals animate any space they occupy, so consider adopting one. If you have kids, your pets will become their best friends. Even if you don’t have kids, you’ll never regret having a pet. They will be your most loyal friend, your little cuddle bug, and a constant source of joy. And if you adopt a rescue animal, you’ll get the reward of knowing you gave an animal in need it’s forever home. So check out an adoption website and browse through the pictures until one little guy captures your attention. We like Adopt-a-Pet, because it links you to shelters in your area. It’s here: https://www.adoptapet.com/

dog laying on carpet

Home is all about people

Once you’ve decorated your home into a place you enjoy being, the only thing left to do is fill it with great people. Use any and every excuse you can think of to invite your favorite people over. Family gatherings, birthday parties for friends, or just, “Hey everyone, let’s hang out at my house this weekend!” Fill your house with good friends, have good times, and create good vibes. You will have created a place where the best of life happens.

table with wine glasses

Luckily, buying your first home and getting a mortgage doesn’t have to be a stressful experience. You can make the process a lot easier by doing some ground work. Preparing is half the battle, and we’ll show you how to do just that. The joy of owning a new home at Spring Mountain Ranch in Riverside can be yours sooner than you think.

Pay your bills on time

One of the first things lenders look at when deciding if they will approve you for a home loan is your payment history. Did you know that even one payment over 30 days late can lower your credit score by over 100 points? So designing your budget to ensure you pay your bills on time for two years straight can go far towards raising your credit score.

Check your credit report

You need to be informed before talking to a lender, and checking your credit report is the way to do that. Take a close look at your report and make sure nothing is on there that shouldn’t be. If there is, file disputes to get those items removed. You’re entitled to one free credit report per year by going to this website: https://www.annualcreditreport.com/requestReport/landingPage.action This report won’t give you your credit score, so use one of the many free services out there, such as Credit Karma, to find out your numbers.

Save, save, save

You’ll need money for a down payment and closing costs, and the more you put down the lower your monthly payment will be. Got great credit? You might only need 3%. Not-so-great credit? Count on saving at least 20% for a down payment. Your lender can help you determine how much you’ll need to put down. Don’t forget there’s help out there if you’re struggling with this. Consider an FHA loan, or if you’ve served our country in the Armed Forces, a Veterans Affairs Loans might be available to you. Check out FHA loans here: https://www.hud.gov/buying/loans or Veterans Affairs loans here: https://www.veteransunited.com/va-loans/

Get pre-approved

Before you start shopping for a new home, know what you can afford. Then see your lender about getting pre-approved for a loan. That way, when you find your dream home nothing will be holding you back from bidding on it.

Raise your credit score

This is easier than you think. Apply for a big installment loan, say for a car, and pay on time every month. Don’t need a new car? Just apply for a credit card and pay off the balance every month. This can go very far, very quickly, towards raising your credit score. In the meantime, don’t make any major financial changes like new jobs or big purchases, as this will make lenders nervous.

Don’t forget the furniture!

Once you buy your new home, you’re going to need extra money to furnish it, decorate it with artwork, landscape, and do all those pet projects you’ve wanted to do since you first starting thinking about becoming a homeowner.

Now that you’re ready to buy, find your dream home

You’ve done all the financial stuff, so on to the best part: finding your dream home. Start with the community. Are you looking for a family neighborhood, peace and quiet, beautiful surroundings, or all of the above? If you chose “all of the above” then you should check out Spring Mountain Ranch in Riverside. Your dream home, and your family’s dream home, awaits you here.

Capistrano residence 6 exterior

Capistrano at Spring Mountain, Riverside, CA 

 

Monterey residence 6 exterior

Monterey at Spring Mountain Ranch

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