real estate » Tips To Spruce Up Your Outdoor Spaces For The Season oocoskun - Fotolia.com StatePoint W hen the weather warms up, it’s all about relaxing out- doors. But it’s possible you’ve neglected upkeep on your home’s outdoor spaces during the chilly months of winter. To enjoy yourself more this season, take time to spruce up your yard. Here are some quick tips. DO A SURVEY Take a walk around the perimeter of your patio, deck and yard to survey what needs to be cleaned, repaired or replaced. Did potted plants and lawn ornaments survive the cooler months? Are outdoor light fix- tures functioning? Are fallen branches lit- tering the yard? Make a mental to-do list. FIND YOUR PERFECT FLORIDA HOME AND GET OUT OF MICHIGAN’S WINTERS! KEYES REAL ESTATE THROUGHOUT SOUTH FLORIDA, INCLUDING BOCA, BOYNTON, DELRAY, BROWARD AND MIAMI – DADE COUNTIES LET AN OLD FRIEND BE YOUR MICHIGAN-FLORIDA CONNECTION… NINA S. SPINNER-SANDS 954-290-8293 Nina Spinner-Sands REALTOR NINASPINNER-SANDS@KEYES.COM )<@ ‹ :,33 ‹ 05=,:; N OT T I N G H I L L of W EST B LOOMFIELD R edefining E xcellence in Rehabilitation and Skilled Care Notting Hill of West Bloomfield offers both short-term rehabilitation and skilled care for residents in a serene setting while receiving unsurpassed high quality care. We take a team approach to patient care, ensuring that all disciplines work together to meet the physical, emotional and social needs of our patients. Our goal is to help you or your loved one regain independence and return to life, family and community. 2038630 6535 Drake Road, West Bloomfield, MI 48322 phone 248.592.2000 | www.cienafacilities.com AMENITIES : % 68 Private Rooms % Gourmet Chef on site full-time % Room Service % Formal Dining % Happy Hour % Medical Spa % Personal Telephones with private numbers % Personal Televisions % Massage Therapy % Luxury Transportation % Tablets available for use Customized Upscale Dining Program Spacious Sitting Areas for Socializing 2053830 34 March 31 • 2016 DEEP CLEAN Like interior spaces, periodic deep cleans are necessary outdoors, too. But don’t waste your leisure time. “With the right tools you can work smart, not hard,” says Jeff Devlin, host on a popular home improvement channel. “A heavy-duty cleaner, such as Mean Green Degreaser, not only works indoors, but is ideal for my tough outdoor cleaning jobs.” Devlin recommends using the super- continued from page 32 • Understand your options. Don’t assume you won’t have enough for a down payment or won’t qualify for a mortgage without 20 percent down. In fact, about 40 percent of today’s homebuyers are making down payments of less than 10 percent, according to research from Zelman & Associates. And new products, like the Freddie Mac Home Possible Advantage mortgage, offer down payment options as low as 3 percent for qualified borrowers. • Gather your documentation. Expect your lender to request documentation verifying your income (W-2 forms, tax returns and employment records), credit history and assets (such as bank state- ments to verify your savings). After signing a purchase contract but before closing, Boyle recommends doing the following: • Don’t take on more debt or make large cash purchases. Resist the tempta- tion to take out new loans or open new credit cards. This could affect your credit profile and may require the lender to strength multi-surface formula — which is lab-tested to clean and remove grease, grime, mildew, dirt and oil more effec- tively than its competitors — to clean and remove mildew from patios, outdoor furniture, concrete, composite and wood fences and siding, as well as to clean and degrease tools, lawn equipment and grills. Use it as a concentrated spray or diluted solution. Clean with a brush or sponge. “For your toughest jobs, add it to your pressure washer,” says Devlin. ROUTINE MAINTENANCE Perform routine upkeep to keep items from falling into disrepair or becoming overgrown or unkempt. Sweep walkways and your deck regu- larly, especially if they are situated under trees. Promote a healthy lawn by mowing it regularly, never removing more than one-third of the grass blade. Keep gutters devoid of leaves and debris so that water does not collect in your yard or at the base of your home’s structure. Rinse patio fur- niture, umbrellas and awnings using water or a diluted cleaner. Spring is in the air. With a little effort, you can be prepared to make the most of it. * resubmit your mortgage application to verify you still qualify. Also, substantial cash purchases may make your mortgage company question whether you can really afford monthly payments. • Meet your lender’s deadlines. Heed deadlines for providing documentation or information. A missed deadline could delay the closing, which may require you either to pay more to extend the mortgage terms you locked in when you submitted the application or, in the worst case, reap- ply for the mortgage. Buying a home can be intimidating without knowledge. For more tips and resources on buying a home, visit the consumer education site, My Home by Freddie Mac, at MyHome.FreddieMac. com. With preparation, you can help ensure your homebuying process goes off without a hitch. Preparation can help ensure you walk away from closing with the keys to your new home in hand. *