Start to Finish:
The Home Buying
Guide

According to the National Association of Realtors, nearly 5 million existing homes were purchased in 2014, as well as almost half a million newly-built homes (1). But for many individuals – especially those new to buying (2) – the dream of homeownership remains a fantasy because the process of purchasing one seems daunting.

Our team decided to show our support for these potential purchasers by creating the following list of helpful resources, which provide useful information to first-time homebuyers.

Start to Finish:The Home Buying Process

This article gives a rundown of what to expect throughout the home-buying process.

https://homecenter.navyfederal.org/resources/doing-the-prep-work/259

Your financial picture is a major consideration in purchasing a home. This tool will help you calculate what you can afford.

http://www.mortgagecalculator.org/calculators/affordability-calculator.php

Inspectors and Appraisers

http://www.homeadvisor.com/cost/inspectors-and-appraisers/

It’s important to have a home that you’re interested in looked over by an inspector to ensure you’re aware of any issues the property may have.

5 First-Time Homebuyer Mistakes

http://www.bankrate.com/finance/real-estate/first-time-homebuyer-mistakes-1.aspx

Sidestep any added stress or costs by avoiding these potential buying blunders.

The Single Parent’s Guide to Buying a Home: Assistance, Grants, and Home Ownership

https://www.redfin.com/blog/

https://www.redfin.com/blog/the-single-parents-guide-to-buying-a-home-assistance-grants-and-home-ownership

Many parents who are relying on a sole source of income are still in the position to purchase a residence.

Federal and State First Time Homebuyers Programs

https://lendedu.com/blog/first-time-home-buyer-programs/

For a list of various federal and state-based first-time homebuyer programs, It explains who each program is designed for, why they are beneficial and provide eligibility requirements. Also included is a Tips for First-Time Homebuyers section that helps homebuyers better prepare for mortgage loan approval.

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First things first - As the name suggests, raised bed gardening involves planting your plants in a bed that is off the ground rather than planting directly into the soil. Raised beds come in all different sizes, and there are many different kinds of receptacles for raised beds, depending on the size and where you want to hang the beds.

The ability to manage the soil is one of the most significant benefits of using the raised bed. Because you choose and mix the ground yourself, you can create the perfect soil environment for the plants you want to grow. That means even if you're going to grow plants that don't typically thrive in your area because of your local soil composition, you can grow them in raised planters in which you have created the perfect soil for those plants.

There are other benefits to raised areas as well, even if the soil is not an issue in your area. Another significant advantage to consider is the way the raised beds let you target the use of things you put on your garden. Apply fertilizer and mulch where they are needed - and there only - so you end up using less and do not accidentally apply these things where they are not required. If you use chemical pesticides, herbicides or insecticides, you can use a smaller amount of them, and again, you can target their use. Because you apply them only to the raised bed, you don't have to worry about runoff or the effects these chemicals can have on your pets or kids who play in your yard. All in raised bed gardening makes for more efficient planting.

One great benefit of a raised gardening bed that is the fact that the planting area is, in fact, elevated. Since the garden is not ground level, it is much easier to tend. Garden enthusiasts with back problems will love being able to see their plants and manage them without bending over and dealing with hours of painful work. Raised areas are ideal for people with joint pain and injuries that make it difficult for them to garden traditionally.

Although raised garden beds have all of these benefits and make different kinds of gardening possible in areas where the soil is not ideal, the beds can't trump every problem a garden may face. You still need to consider the climate in your area and choose plants accordingly - raised planters or not, and tropical plants won't grow in snowy climates. Also, you will still need to pay attention to what level of sunlight your garden area gets and choose your plants with that in mind. Further, although most people with raised beds deal with less pest infestation, you will still need some way to deal plant-munching insects. Even though raised beds can't fix everything, however, they are still a great option when soil limits the way you garden.

Lawrence L. Hoyle, author, 57 years in the Landscape Profession. Check out his main website at: https://www.web-landscape-design-ideas.com. This website has free Landscape help for Do-It-Yourselves and a online Landscape Design Services for Homeowners, Landscape Contractors and Home Builders. Designing online since 2003 with designs in 40 states. Get Your Special Landscape Design today.!

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