Dear clients,
Due to the fact that the moving industry is categorized as an essential industry business, we are happy to inform you that the Vison Movers company is open for business during our regular hours. We are using all safety precautions concerning the COVID-19 situation. Our movers and packers are making sure to comply with CDC and WHO recommendations while meeting your moving and packing-related needs. They are provided with gloves and hand sanitizers and follow the social distancing rules in order to protect both themselves and our clients.
In order to maintain the health and safety of employees and customers during this state of an emergency, we:
• Practice all CDC, World Health Organization, State and Federal guidelines in order to prevent contagion in our community.
• Communicatie with our employees transparently- every mover and packer will self-quarantine if even the slightest indications of flu-like symptoms appear.
• Provide gloves (and masks whenever available) for our movers and packers to handle clients' property.
• Regularly wash hands whenever the running water is accessible and use hand sanitizers.
• Follow social distancing recommendations and keep a safe distance of 6 feet apart from clients.
• Ventilate the working spaces as much as possible.
• Frequently disinfect often-touched surfaces (door handles, break room areas, restroom surfaces, countertops).
• Clean and sanitize moving trucks after every finished job.
Vison Movers company makes sure to adhere to the guidelines set forth by authorities and health officials so that everyone would remain safe and healthy during the coronavirus crisis. We will inform our clients of any possible changes in our work and you are welcome to contact us for any additional information. Hopefully, this unfortunate situation will be over soon enough, in the meantime, we wish you all the best.
Thank you, Vison Movers

Vision Movers

Guide to purchasing your first Florida home

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Buying your first home is considered one of the main milestones – in life and finances. This is a great commitment, and there is a good chance it will be the largest purchase you have made to date. When you get ready, here are the steps to follow when purchasing your first Florida home.

Determine if you are ready for purchasing your first Florida home

First, you must determine if you are ready to buy a house and move with movers in Broward County. Homeownership is much more expensive than renting, as you are responsible for additional costs, such as home repairs, utilities, garbage collection, water, and electricity. You also need to pay taxes and insurance related to your home.

Man showing empty pockets
These costs quickly accumulate, and if you are not financially prepared, you may be in a bad position

Consider getting out of debt (or at least reducing your debt) and building up a reserve fund before you buy your first Florida home. Look for ways to reduce your high-interest credit card debt before buying a home. Despite the fact that you may be pressured to buy a house by friends or family, financially it makes sense to wait until you are really ready.

Start shopping for a loan

Most people need a loan to buy a house. In many cases, it makes sense to first obtain a mortgage permit before you start purchasing your first Florida home. Your preapproval may give you an idea of how much you can afford.

If you want to know about some other options, consider using a mortgage broker. With a mortgage broker, you have access to several different lending companies and programs. This can help you find the best prices. However, your small local bank or your credit union may have options that will also save you money.

Find the best payment options and types of loans

When it comes to your mortgage, you may be surprised at the various types of loans and payment options available. Looking at terms like ARM and PMI can be overwhelming. However, it is nothing you can’t deal with after a little research. Some buyers choose a loan for a period of 15 or 20 years, because this period is shorter, and you may be able to fix a low rate. On the other hand, the reason that 30-year loans are so popular is that longer-term loans usually mean lower monthly payments. You may have a slightly higher interest rate, but payments are usually more manageable.

Adjustable-rate or fixed-rate mortgages?

With an adjustable-rate mortgage, you can expect your interest rate to change over time. The initial rate is lower, but you run the risk of seeing a rate increase when market conditions change – this means a higher monthly payment.

On the other hand, a fixed-rate mortgage remains unchanged, regardless of what happens to the economy or the market. This ensures the stability of your monthly payment and can simplify planning. However, you risk missing out if rates fall. However, if rates fall enough, it may be possible to refinance at a lower rate and grab savings.

Prepare a down payment when purchasing your first Florida home

Your down payment can reduce your debts and also reduce your expenses. However, you should keep in mind that if you reduce the cost of your home by less than 20%, you may end up paying for private mortgage insurance (PMI).

Home insurance
Although you do not need to reduce 20% to succeed in homeownership, you should consider the cost of PMI when purchasing your first Florida home

Be honest in what you can afford

You must also determine how much home you can really afford. A good rule of thumb is for your mortgage, as well as taxes and insurance, to be between 25 and 30 percent of your income. Other experts advise that your home should cost no more than two and a half of your annual salary.

If you spend too much on your mortgage, you may not be able to fulfill your daily obligations, not to mention saving for retirement. A smaller house can be worth your peace of mind. If you have debts (credit card or student loan debts), a small housing payment may be especially useful. But, if you are a little older and moving with a large family, small houses might not be for you.

Find a good real estate agent

Once you have determined how much you can really spend, look for a good real estate agent. Your real estate agent should listen carefully to your wishes and needs. They can give recommendations or explain the market to help you find a home that fits your needs and that you can afford.

Once you make an offer, your real estate agent must agree on the conditions that suit you. They can also help you with paperwork and the process necessary for successfully purchasing your first Florida home.

Request a home inspection when purchasing your first Florida home

Once you have found a home for you, be sure to conduct a thorough inspection of the house. This is different from the evaluation. You must pay for the inspection of the house. A home inspector will look for hidden problems with the house before you buy it. Through a home inspection, you can find out about any problems that may prevent you from buying a house in Fort Lauderdale. An inspection can save you thousands on repairs later.

In addition, you can negotiate a lower price if you know that the house needs major repairs. Consider an independent home inspection, separate from the one done by the homeowner. In many cases, the results of a home inspection can become the basis for terminating the transaction without losing any serious money.

Be patient during escrow

As soon as you place your offer on your home and the offer is accepted, you will go into escrow. The escrow holder will work to ensure that all documents, money, and other necessary information are properly prepared before closing. Escrow is designed to protect the buyer, seller, and lender. It may take time to complete the escrow, depending on a number of factors.

Closing the deal
It is not uncommon for the closing date to be in three to five weeks later

Close and move

When the last day of purchasing your first Florida home comes, you come and sign the final documents. The escrow agent will issue funds to all relevant parties. Once you have closed your house, it’s time to move with one of the moving companies in North Lauderdale. You can unpack and enjoy your new home.

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They are 5+ movers. The guys were professionals. Price was great. The guys came on time. Moved my stuff without damages. My safe arrived without the lock being triggered. I am going to use them again.

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