How To Sell Your House As A Hoarder and What To Do

Hoarding in your home is a sign of a serious psychological disorder. People who suffer from hoarding disorder feel extreme distress at the thought of ridding themselves of these items in their home, even if they’re impacting his or her quality of life. Many homeowners feel it’s impossible to sell your house as a hoarder and that the damage is too severe.

While it may be true there’s a lot of work to be done, it’s not impossible to sell your house as a hoarder. A lot of it comes down to taking the right steps to prepare the house before placing it on the market. Here are tips for what to do before selling your home or that of a loved one who is a hoarder.

 

1. Seek Treatment First

First and foremost, hoarding disorder is a serious mental condition. According to SpareFoot, this disorder affects up to 7% of the American population. That means this isn’t all that uncommon, and it is treatable with assistance from a mental health professional. 

If you’re helping a loved one sell their home, recognize that hoarding is a real disorder. These things they’ve collected carry real emotional attachments, no matter how insignificant they may appear. Compassion is a necessary part of the process, so don’t talk down on their disorder. 

It’s important to be honest without being disrespectful. Most hoarders are aware they have a problem, and they’re just unsure of the first steps to seek treatment. Before the home can be sold, mental health intervention is necessary. Contact qualified mental health professionals in your area for more information on how to reclaim control over hoarding disorder. 

 

2. Hire Cleaning Professionals

Once you or your loved one receives treatment from a professional, it’s time to enlist the help of a cleaning crew. Hoarding homes are often too much for any small group of unqualified people to handle. Before the home can be put on the market, it needs to be cleaned and restored. 

Many cleaning companies have experience cleaning hoarding homes and spaces, and they can help uncover any structural problems that might have been overlooked. Don’t opt for your traditional cleaning crew. Look for one well versed in hoarder’s homes to make sure they understand the importance of slow, compassionate cleaning. 

 

3. Store Necessary Items

Those suffering from hoarding disorder often are unable to part with many of their belongings even with the help of a skilled cleaning crew. They cannot be pushed or threatened into making decisions about them, and this can slow down the cleaning process.

One option is to consider storage until the selling process is over. If you or your loved one is having a difficult time parting with belongings, a mobile storage unit or nearby self-storage might be a good temporary solution. With continued psychological treatment, it will become easier to say goodbye to unnecessary belongings. 

 

4. Prepare for Damage

Hoarding homes have often been in disarray for months or even years. This can result in a lot of structural damage like mold, infestations, or electrical issues. Until all of the items are removed, it won’t be easy to know just how much damage is done. 

Be upfront with both the homeowner and potential buyers about damaged. Let them know the property may need extensive work done to restore it to working condition. A good option is to encourage buyers to visualize how the property will look once renovated, and this can be done with a renovation idea plan. 

 

5. Look for Home Flippers

It might be more effective to search for home buyers who are willing to purchase the property as-is and flip the home. These home flippers are experienced investors who are used to fixing homes to their full potential. 

These home flippers are likely to be more comfortable touring the home with possessions inside which can be less of a hassle. However, consider using an agent to show the home to flippers so the homeowner won’t face any embarrassment about the state of his or her property. 

 

Landing the Sale

If you or your loved one is a hoarder, don’t feel like you have no options when it comes to selling your home. It’s possible to sell your home in a timely manner as long as you’re willing and able to seek treatment and make compromises. 

As you can see above, there is an extensive process that needs to be done before you put your home on the market, so don’t delay. Work with your real estate agent to create a plan for cleaning your house, identifying damage, and finding the right buyer. 

How To Get Out From Under a Mortgage

Is your mortgage taking a toll on your financial wellness? If so, you’re not alone. According to a recent study, at least 52% of Americans have to make at least one major sacrifice to cover their mortgage payment. This stress leads many to feel they’re one paycheck away from losing their home. While foreclosure is a worst-case-scenario for most homeowners, that doesn’t mean you still can’t get out from under your mortgage. 

The most important thing to do is simply to act now. If your mortgage is underwater, you need to start swimming today. Many people are able to turn their finances around, save their homes, and avoid bankruptcy. Reclaim your financial wellness with these ways below.

 

1. Walk Away

While it might seem like walking away is the last thing you want to do, some homeowners feel they’re left with no other option. This is usually the case when the home has negative equity, or the market value of the property falls below the mortgage amount. Many homeowners chose to walk away from their homes during the mortgage crisis of 2008

The technical term for this in the mortgage world is a strategic default, and it usually involves informing your lender you wish to abandon the property. In most cases, they’ll direct you to one of the methods below. 

 

2. Deed in Lieu of Foreclosure

To deed your property in lieu of foreclosure means to deed your property to your lender. In this case, you’re usually forgiven for the entire amount of the mortgage. The lender then recoups some of this payment by selling the property. 

However, you need to prove an extreme circumstance for this to be approved, and many lenders are unwilling to proceed with this method. You stand a better chance of a deed in lieu of foreclosure if you’re in a government-insured loan. If not, keep reading for alternative ways out from under your mortgage. 

 

3. Foreclosure

Most lenders will default to foreclosure if you are unable to settle on a repayment option. This process is time-consuming and can take months. Luckily, that leaves you time to work with your lender on a compromise to avoid losing your home. If you proceed with the foreclosure, you’ll be forced to leave your home after a court judgment. 

 

4. Short Sale

One possible compromise in the case of foreclosure is a short sale. This is when the homeowner asks their lender to accept less than the loan’s balance through the sale of the property. This gives you as the homeowner more control over your home, and it can be an effective way to escape an underwater mortgage. 

 

5. Sell Your Home

Outside of a short sale, you still have options to sell your home. You’ve likely seen advertisements for companies that exist to fix up homes and resell them. There are legitimate companies that do this, and it can be a quick way to avoid negative equity. 

While you’ll get paid a discounted amount for the home, you won’t have to worry about the cost of selling it yourself. Additionally, these companies work quickly so you can beat a foreclosure and liquify your assets without the wait. 

 

6. Rent Your Home

If you’re unwilling to sell your home, you can still make back some of your money to put towards a mortgage if you’re able to rent it out. If you have the ability to live elsewhere such as with family, this can be an excellent way to recoup lost funds. This is particularly effective if you live in an area with high rental demand. Before renting your property, always talk with your insurance company about coverage and look into state landlord requirements. 

 

7. Settle with Your Lender

Finally, it might not be in your best interest to get out from under your mortgage. Remember, your lender wants to get paid. They’re often willing to work with you on a solution that keeps you in your home. Your first line of defense if you’re facing negative equity or an underwater mortgage is to talk to your provider. They likely have a protocol and assistance programs for those struggling to make payments. 

These 7 ways to get out from under your mortgage help you gain control of your finances. Nobody wants to lose their home. Yet, sometimes it’s best to lose your home on your own terms to protect your credit and get a fresh start. If you find yourself in this situation, you have options. When in doubt, speak to an expert real estate attorney or financial advisor. Just make sure you think them through carefully before taking action. 

How To Sell Your House with Fire Damage

Fires can be a dangerous thing, especially when it causes damage inside of a home. It can not only be a horrific thing to experience, but it can cause thousands of dollars in damage. As you may have guessed already, this can make it very difficult to sell the home. Fortunately, in most cases home insurance can cover most of that costs from the damage but even then, the homeowner(s) will still be left with damage that will need repairs. In most cases because of the cost, the homeowner(s) may think about selling the house with fire damage. For those who are thinking about selling their house with fire damage, here are 5 tips on how to sell your home with fire damage:

 

1. AskYour Agent About A Restoration Company assuming that you have already contacted your insurance company because of the fire which is initially the first step, you may want to ask your agent for some recommendations for a restoration company. During this time, you will also want to start cleaning up any soot or water damage from trying to put out the fire. If you do not clean up the water damage right away, you see mold start to form.

 

2. Separate Damaged Items for Insurance PurposesThe insurance company will most likely want you to take a detailed inventory list (photos and descriptions) of all of the items that were damaged in the fire. Once you’ve separated the items, it will be easier to document a detailed list. Some of the things that the list should include are; the make, model, serial number, date you purchased the item, how much you paid, and a short description of the item.

 

3. SeparateNon-Damaged Items as WellAfter fire damage inside of a home, your items will more than likely be exposed to most of the damage. But the items that were not affected by the fire should not be exposed to the items that are damaged. Make sure to move them to a safe area, like a garage or a storage unit to make sure they are not stolen or damaged.

 

4. Work with the Insurance Company During the Process

Fire damage claims are usually a top priority for an insurance company, so an adjuster will be quick to inspect the property within a few days. In order to make sure your claim is processed as soon as possible, make sure to be prepared to provide documents in a timely manner.

 

5. Find Somewhere Else To Stay If Your Home Is Not Livable

Finally, If your home is not in a livable condition due to the fire damage, you will need to make arrangements to stay somewhere else until then. Most insurance companies and policies will cover food, clothing, and housing that your family might need, but this still depends on the policy you have with your insurance company.

 

Selling Your House with Fire Damage

When listing the home with a realtor, you will most likely end up receive a cash offer from a cash home buying company. Most people who buy houses with fire damage are investors. They will purchase the house with the intent of fixing it up and selling it at a later date. So, keep this in mind when trying to sell your home with the fire damage when dealing with a realtor. Investors will typically pay a little less than the average buyer, and that’s because they are taking into account all of the risk.

How To Prevent A Water Heater Flood

Most individuals rely on a traditional water heater storage tank to provide them and their families with hot water. These systems, which are typically fueled by propane, electricity, or natural gas, work by releasing hot water from the top of the tank and replacing it with cold H20 whenever someone in the house uses hot water.

While these systems are generally reliable and are used in the majority of households throughout the United States, what happens when they fail? 

Water heater floods can be catastrophic for your home as they damage the structural integrity of your property, so this can be difficult if you ever try to sell your home.

 

Here are a few things you can do to prevent a water heater flood.

 

What Causes a Water Heater to Leak?

Water heater leaks can be caused by several factors, including:

  • Sediment Buildup
  • Rust
  • Faulty Temperature and Pressure Release Valve
  • Excessive Water Pressure or Overheating
  • Corrosion

These are a few of the most common causes of water heater leaks. When one of these things happens, excessive water can damage your drywall, flooring, and electrical work. As a result, it is important to understand a few steps you can take to prevent this issue.

 

How to Prevent a Water Heater Flood

Every homeowner should know what they can do to prevent their water heater from leaking and potentially flooding their home. Here are a few things you should consider doing to protect your home from a flood.

 

Regular Maintenance

First and foremost, the best thing you can do to prevent a H20 heater flood it to perform regular preventative maintenance to ensure that your water heater is always in working order.

This should include regularly inspecting the temperature and pressure valve, checking the anode rod, and flushing a quart of water from the water heater every three months or so.

Additionally, you should be sure to check for moisture, mold damage, loose fittings, and any water that is pooling near the base of the H20 heater.

Taking these steps is a great way to ensure that your H20 heater doesn’t have any small leaks or issues that could potentially lead to more serious damages.

 

Use a Water Shut Off Valve

A great option to prevent a water heater leak from getting worse is to use an automatic water shut off valve.

Water shut off valves work by detecting leaks and sending a signal to the control box which completely shuts of the water heater’s water supply. Once this happens, the valve will stay closed until you manually reset it, ensuring that the leak doesn’t become worse. Additionally, most shut off valves will sound an alarm when a leak is found so that you are aware that maintenance is needed.

 

Drain the Water Heater

Shut off valves simply ensure that the leak doesn’t get any worse by allowing more H20 to be pumped into the water heater; however, the water that is already in there will continue to leak unless drained.

To drain the water heater, follow these steps:

  1. Turn off the water heater.
  2. Turn off the water supply.
  3. Drain the water heater by attaching a hose to the drain valve at the bottom of the tank. Run the other end of the hose to an area that is safe to drain the water and open the drain valve.
  4. Open the pressure relief valve.
  5. Open the water supply and wash away any sediment that may be inside.

Following these steps can help you make sure that your home avoids extensive damage caused by a heater flood.

How To Install Tile Floor in Your Home on a Small Budget

You must have recently looked down at the floor and realized you need to do some renovating. Well, we’re here to support you in your renovating adventure when it comes to installing tile floors. Tile flooring is really affordable for any budget and is a breeze to clean. Let’s go step by step so you can eventually sell your home.

 

Measure The Floor

For square rooms, multiply the length of the room by the width and round all your measurements up to the nearest foot always. For any other sized room cut the room into a triangle or square sections and add it together. 

 

Buy The Tile

It’s time to find the tile that is right for your floor. Using the information above find out how much of your dream tile you will need and then buy 15% more just in case there are any accidents. When laying tile it’s almost guaranteed you’ll break one. 

Be sure to explore any options online. People may be giving old tiles away for cheap or free! The great thing about tiles is that no matter what you spend the tiles look more expensive than they actually are. Keep in mind not to buy anything too slippery if you know the floor will get wet. 

 

Tools & Materials 

Check the list before starting the project.

  • Level
  • Goggles
  • Carpenter’s Square
  • Grout
  • Tile
  • Tile Adhesive
  • Silicone Chaulk
  • Silicone Grout Sealer
  • Cleaning Cloth
  • Bucket
  • Rubber Gloves
  • Knee Pads
  • Hammer
  • Tile Cutter
  • Floor Preparation

 

Time to get your hands dirty! To begin, let’s remove the existing flooring. Scrape off any remaining adhesives and then rigorously clean the floor.

Check to see that the subfloor is level and be sure to fill any low spots or cracks in the concrete with concrete patching compound. For wood framing, make sure the subfloor is dry, rigid, and securely attached to the joists. Never apply tile directly to plywood or a wood subfloor. 

 

Consider the Layout

Start experimenting and seeing how the tile can be laid out that is aesthetically pleasing to you and compliments the room. 

 

Start Laying Tile

Mix up a thin-set mortar in a 5-gallon bucket by using a mixing paddle and be sure to use the correct ratio of water to mortar mix. Make sure you only create 15 minutes worth of mix each time. Keep a bucket of clean water near you with a sponge handy to wipe off any mix before it drys to clean tools. 

Use a notched trowel to spread the mortar evenly on a small area where you will start laying the tile. Position the tile in the mortar along the guidelines and press into place.

  • Use plastic spacers to create joints in the tiles
  • Constantly check the level and alignment of tiles

Let the tile sit for 24 hours before you put any weight on top. 

 

Cutting Tile

Let’s get that tile to fit the wall. 

  • Measure the distance to the wall
  • Mark the distance on the tile
  • Mark any tile curves 

Here you’ll but using a tile cutter or an equivalent to create any of the cuts. 

 

Finishing the Edges

Here you will install tile 4” up the wall using thin-set or construction adhesive. Make sure you line up the joints in the baseboard tile with the floor for a continuous look. If you don’t it’s going to look pretty wonky for guests.

 

Grout Time

Un-sanded grout may be used on joints less than 1/8” while larger joints require sanded grout. Clean the joints to remove any dust and debris before filling.

Follow the mixing instructions labeled on your grout and apply the grout with a rubber float. After the grout has set for a couple of minutes begin to wipe off any excess grout with a wet sponge and clean water. Once the grout has hardened you can then apply sealer to the joints using a foam brush or applicator bottle.

 

Brand New Floors

Behold! Your brand new floors that you spent the time and effort to make. It doesn’t take much time or money to create something amazing, just commitment. Now anytime something spills on the floor you might see that mess differently and clean it up faster.