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How to Get Stains & Grease Off Of Walls

September 4, 2020 by Regine Lane

How to Get Stains & Grease Off WallsStains are common issues faced by homeowners; however, when the stains involve the walls, this can be a difficult challenge. Stains and grease are a much tougher challenge than dust and cobwebs. That is why there are specialized methods that help remove grease and stains from walls.

Remove Grease From Kitchen Walls

Grease is one of the most common occupational hazards of cooking. While grease can prevent foods from sticking to pots and pans, this can be a real challenge if it ends up on the kitchen walls.

Fortunately, there is dish soap that can strip the grease right off of the walls. In order to use dish soap to remove grease from kitchen walls, take a quarter tsp of dish soap, mix it with one cup of warm water, and wipe the grease off the walls. Then, rinse the solution from the wall with cool water and blot the wall until it is dry.

If the grease is particularly stubborn, use the same method with a 1/3 cup of white vinegar and 2/3 cup of water.

Remove Dirt And Grime From The Walls

If there are dirt and grime that has to be removed from the walls, there are a few tips to keep in mind. First, there are wall erasers that might do the trick. This could be easier than preparing a solution.

Those who would like to use a mixed solution can make a cleaning product from a few common household ingredients. Mix a cup of ammonia with a ½ cup of white vinegar, a ¼ cup of baking soda, and a gallon of warm water. Just be aware that the fumes from some of these products can be pungent. Then, wipe the solution all over the walls using a sponge. Finally, rinse the solution from the wall with warm water.

Permanent Marker Stains

Finally, permanent marker stains can be particularly challenging. Take a cotton ball, mix it with rubbing alcohol, and dab it on the stain. If this doesn’t work, think about using hairspray. Either of these techniques can do the trick.

These are a few great methods that can help remove some challenging stains from the walls. In some cases, the walls can look like new.

Filed Under: Home Tips Tagged With: Cleaning Walls, Home Improvement, Mortgage Tips

How Do Mortgage Lenders Decide How Much You Can Borrow?

September 3, 2020 by Regine Lane

How Do Mortgage Lenders Decide How Much You Can Borrow?When you visit your lender to get a mortgage for your home, they will tell you the maximum amount that you are allowed to borrow. But how do they reach this total and what factors do they take into consideration?

How do they determine that one borrower can take on a bigger mortgage than the next? This decision is made by mortgage companies by considering a wide range of factors, including your credit information, your salary and much more.

Here Are Some Of The Common Ways That Lenders Determine How Much You Can Borrow:

1. Percentage Of Gross Monthly Income

Many lenders follow the rule that your monthly mortgage payment should never exceed 28% of your gross monthly income.

This will ensure that you are not stretched too far with your mortgage payments and you will be more likely to be able to pay them off. Remember, your gross monthly income is the total amount of money that you have been paid, before deductions from social security, taxes, savings plans, child support, etc.

2. Debt To Income Ratio

Another formula that mortgage lenders use is the “Debt to Income” ratio, which refers to the percentage of your gross monthly income that is taken up by debts. This takes into account any other debts, such as credit cards and loans. Many lenders say that the total of your debts shouldn’t exceed 36% of your gross monthly income.

The lender will look at all of the different types of debt you have and how well you have paid your bills over the years. By using one of these two formulas, your mortgage lender calculates the size of a mortgage that you can afford.

Of course, there are many other factors that need to be considered, such as the term length of the loan, the size of your down payment and the interest rate.

Remember that when factoring in your income, you usually have to have a stable job for at least two years in a row to be able to count your income. If you want to increase your chances, you could consider paying down your debts or buying with a co-borrower, which will improve your debt to income ratio.

For more info about mortgages and your home, contact your mortgage professional.

Filed Under: Home Mortgage Tips Tagged With: Debt To Income Ratio, Mortgage Lenders, Percentage Of Gross Monthly Income

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