VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

Heading 6

Add paragraph text. Click “Edit Text”

Open Site Navigation

5 Moving Mistakes to Avoid


California moving

Not scheduling your California move

One of the biggest moving mistakes is people who think they can just go with the flow when it comes to packing and moving. This leads to packing at the last minute, throwing things in boxes with little sense of organization and an overall unpleasant moving experience.

Solution: Make a schedule. Before you start packing a single box, write out a schedule of when you will pack and move the items in your home. Start a few weeks out from your final moving day in order to give yourself plenty of time. Then, break the task out into organized chunks. Tackle storage areas first, as they’re often the trickiest things to pack. Then go room-by-room to keep the process organized.

Not asking questions before hiring movers in California

Did you know that most moving companies will only insure items that they pack themselves? Important information like that often goes unsaid during the moving process, leaving homeowners in the lurch when something goes awry. Unfortunately, in the craziness of moving, sometimes you make assumptions about a moving company’s process without anyone stopping to check the facts.

Solution: Ask questions before you hire a moving company – and keep asking them until you’re sure you know the full story. Ask how their process works, if they’re insured, what’s covered under their insurance and what’s not, what excess fees you could incur and what their procedure is in the event of a lost or broken item. Then, once you have a contract in hand, read it over in full so that you know what you’re agreeing to before you sign on the dotted line.

Forgoing the in-home estimates

The majority of moving companies will offer you an estimate. However, they usually do these over the over the phone and vary widely. If you forget to mention a large or difficult-to-move item in your initial consultation, your estimate could end up well over the figure that was originally quoted to you. This is one of the more expensive moving mistakes.

Solution: Ask for an in-home estimate. That way, someone from the moving company can see exactly how much stuff needs to be moved. They’ll also know if any particular items require special consideration. Armed with that information, they should be able to give you an accurate quote. To make sure you’re getting the best possible deal, aim to get estimates from at least three different companies in your area.

Packing boxes too heavily

There is the impulse to load boxes until they’re chalk-full. After all, fewer boxes means fewer trips to and from the moving van. However, overloading boxes is one of the moving mistakes that isn’t good for you or your belongings. On one hand, it could be an injury risk. On the other, the weight of your items could cause the box to break.

Solution: Conventional wisdom states that, for your safety and the safety of your items, moving boxes should never exceed 50 pounds. Keep that figure in mind as you pack up your home. Additionally, pack heavier items – especially things like books – in smaller boxes. That way, you’ll have a built-in stop gap.

Not checking your inventory sheet

At the end of a long moving day, it’s only natural to want to send the movers away as fast as possible so that you can get started on the unpacking process. This impulse often leads to people signing off on their final inventory sheet – a list of everything that the movers moved into your new home – without checking to see that all their items are accounted for.

Solution: Check and double-check to make sure all of your belongings have arrived safely before signing off on your inventory sheet. If something is missing, make sure that it’s found before signing anything. Your signature releases the moving company of responsibility for lost or damaged items so make sure you have everything you need first.

Heading 6
Heading 6
Heading 6

About

VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

Loan Options

Heading 6
Heading 6
Heading 6

Resources