Home Staging Myths to Throw Off

The home selling process involves several stages such as the home staging. It is an essential part of that process which has been done for many years even before the term was coined. However, there are beliefs that may lead others to confusion about it. Some of these misconceptions are presented below.

It is a very expensive phase of the home selling process.

Home staging doesn’t require you to spend your fortune. In fact, professional home stagers are in consensus that this phase requires as little amount possible. The goal of this phase is more on showing how your house looks like in the eyes of the buyers and not to show off your personal preferences and style as a dweller of the house.

Home staging is an in-thing for some moment only.

As what has been said earlier, home staging is a process that has been around for many years even before the term came into existence. Therefore, it is not a fad or an in-thing for an instance. It is to stay for many more years. It is not an ordinary principle which can be taken for granted. Doing so can harm your property on the selling list. It highlights the features of your house and makes them noticeable to potential buyers. In fact, it has been on the spotlight and has been one of the primary reasons why many homes are sold.

Home staging is just synonymous with home decorating.

As much as we want to tell the story of our house to friends and relatives, this isn’t exactly the goal of home staging. This is how different it is with home decorating wherein we can add personal touches and styles. The goal of home staging is to let potential buyers see the living space. Let them picture themselves as if they are already living in your house. Through staging, allow your house to be inviting and welcoming yet not exaggerated in the sense that they could be intruding your personal lives. With staging, the balance between design and space is achieved.

It is not essential for a house which has been vacant for long.

There are homes on the seller’s market which has been vacant for some years. But it doesn’t mean that staging is not needed. You still need to let potential buyers imagine how their life would be in that house. Empty and dirty spaces would make the house feel cold and uninviting. Besides, a non-staged house creates the impression that the seller is desperate of turning the house into cash since it is empty and dull.

It is fit for large and luxurious homes only.

Home staging fits all. It is for houses of all sizes. No matter how big or small your house for sale is, it needs the help of home staging.

These are just some of the myths associated with home staging. Eliminating them off your system will help you make your home selling process more directed on the right path.

Top 4 Things You Need To Know Before Selling A Home

It goes without saying, that selling a house is a major financial transaction that will significantly impact your economic health for many years to come. This is the reason why it’s imperative to ensure you understand what needs to be done to make a quick and lucrative sale. Besides, home buyers are looking for the best, so a home for sale by owner can easily slip through the cracks if it is not in tip-top condition and is not advertised properly. Whether you are a seasoned home selling veteran or a first time home seller, the process of selling a home will inevitably be challenging and complex.

Nonetheless, with a little know-how, you will be able to sell your home in no time. Listed below are four important things you need to know before selling a home.

1. Set a reasonable asking price- Properly pricing a home for sale is one of the most, if not the most, important parts of selling a house. Besides, if you overprice your house it either won’t sell, or it will take much longer to sell than it should. Home buyers are streetwise and know immediately when a home for sale is overpriced. Consecutively, you should always ask for a price that’s realistic which can bring you buyers instead of overcharging and turning off many potential buyers.

2. Make your first impression count- In today’s highly competitive market, first impressions are everything if you want to sell your house fast and for the highest possible price. Furthermore, do your best to make sure your home looks as inviting as possible. Besides, it doesn’t have to cost a fortune to tidy up the garden, cut the grass and plant a few flowers.

3. Advertise your property online- With the advent of the Internet, more and more people are searching for houses for sale online. It is therefore vitally important that you advertise your house on as many of the major property web portals as possible. Furthermore, while listing your house online, make sure you provide relevant photos of the interior as well as exterior of your home. Besides, attractive display pictures and detailed description makes your chances better for a higher volume of relevant responses.

4. De-clutter your home- Before showing your house to the buyers, make sure you thoroughly clean your house and de-clutter it of any unused or extra articles. Also, organize your wardrobes and other storage spaces and try to highlight more empty space. Any home buyer would notice available storage spaces in the home, as they are one of the important segments of the home.

While these were some of the things you need to know before selling your house, there are many others, such as clear your dues, depersonalize your space, inspect the house among many others.

House Painting Ideas – Make Your House a Beautiful Home

House Painting is one that every home needs. House painting is done on a regular basis by all home owners for the maintenance of the house. However, in addition to maintenance, house painting ideas work to liven up your space and making it a beautiful possession that you would truly be proud of. With Painting ideas in plenty and so much variety when it comes to paints there is truly a lot of room for experimentation. With colors and textures in abundance the effects that you can create with good house painting ideas is amazing. You can easily create a home straight out of your dreams with a little effort and loads of creativity.

With just a dash of color added to the home, it can undergo a complete makeover. A dull house can be made vibrant in no time at all. House painting idea is a complete makeover that is easy on your pocket and gives your dramatic effects that you probably couldn’t have imagined. It is important to make the right choice of colors and textures. House paint ideas would include both interior painting as well as giving the exterior a facelift with exterior painting. Painting actually provides a coat of protection to the walls and is important to undertake regularly for the good maintenance. However, with a little bit of creativity this plain maintenance exercise can be turned into an interior and home decoration project.

House paint ideas are in plenty today. Most paint vendors offer small samples of paint that you can try out on your walls to see the effects. You could try it out on a small portion of the wall and see if it suits your décor and only then need to go on with painting the entire room or home. While executing any house painting ideas you need to make sure that the color chosen is apt and will create the ambience you desire. You could use the same color for the entire home or have different colors for different rooms to create the right feel. It is important to carefully look at each color and try to visualize how it would feel. The home and garden or interiors magazines and the internet are full of house painting ideas that you could consider. You could even use two colors in a particular room. However, mixing and matching them appropriately is important. House Painting ideas must be executed with care and attention to detail. It is important to maintain harmony so that the final result is as desired.

The Indestructible House

One hundred ten years ago in 1909, a large house was constructed in St Petersburg, Florida. But it was not a typical home that needed repairing. From the time it was built, the house never had repairs and nothing had to be replaced. The locals called it a “miraculous” home because nothing ever had to be repaired. Over the past one hundred years, there was a rumor that it was indestructible and nothing could harm it.

Little is known about fifteen workers who built the house.

The only common knowledge is that they built the house in very little time. But some townspeople reported strange spooky chanting during the nights it was being built. After it was built, the workers were never heard from or seen again. Many believe the fifteen men somehow cursed the house. Was it the strange “rituals” and chanting that made the home indestructible?

The “indestructibility” theory had been successfully tested throughout the years. In 1995, an army of residents set out to disprove that rumor. They went inside while some stayed outside using every tool available to physically damage any part of the home. However, nobody could even put a dent inside or outside the home. A few years ago, attempts to use dynamite proved useless. Even the original paint stuck to the house, which had never even chipped or fallen off.

Local newspapers over the years reported the home still stood exactly like she did when she was constructed many years ago. Theories as to why the house couldn’t be harmed ranged from angels built it to it was cursed. However, most people believed a meteorite from space hit the site thousands of years ago.

Since the home was completed, it had low owner turnover because of the low costs since the house never needed repairs. The only differences owners made was during Halloween and Christmas when they spruced up the house with holiday ornamentation.

But several years ago in 2015 Jim and Mary Dexter, a young couple bought the house from the last owner for a lot of money. They knew their new home had been considered “indestructible.” The couple set out to find more out about their interesting home by researching its history in the local library. They gathered little useful information. So Jim decided he would explore the home a little deeper. However, Mary couldn’t assist him because she had to go out of town for a business conference.

When Jim set about the hunt, he walked through each room, examining the walls and every corner for hidden doors. He looked for anything that had not been reported in the house’s history. He searched around for nooks and crannies, even hidden rooms that had not been explored. Although he didn’t find anything unusual, he journeyed to the basement, knocking on the basement’s walls to listen for hollow spaces, but didn’t have any success. Then he looked at the floor which appeared solid. Nevertheless, he walked carefully on it listening for weak floorboards.

He saw a dusty carpet that was so old, it was about as brown as the rest of the floor. He believed that carpet was the key to an entrance to something underneath. Jim tried to remove it, but it wasn’t easy – it seemed stuck onto the floor. He went to his toolbox and dragged out a sledgehammer to smash the carpet so it would dislodge. After smashing it seven times, the wooden floor submitted to the pounding force by falling down underneath the house into a never before seen area.

So much dust kicked up that it swirled around the basement. Jim could scarcely breathe So he covered his nose and mouth with his hands until the dust settled. He moved toward an opening he made and took out a flashlight from his pocket, shining it all around downward. Apparently, he had found a way into a new room. As he looked around, he felt exuberant that he had possibly made a never before seen part of the house. Suddenly he saw a human skull on the floor in one corner. Then he moved the light around the room, he saw a dozen or so skeletons.

Jim’s eyes beamed wide open and thought, “Oh no!!!” He panicked and immediately called 911. Within five seconds a woman came on and Jim told her what he had found in his home. She told him a sheriff would be there immediately.

Jim tried unsuccessfully to call Mary on his iPhone. Although she was unavailable, Jim didn’t leave a message. He was shaking, thinking about what he just saw. He wondered how those people ended up sealed underneath their home. The police raced out to the house with a firetruck tailing it. When the police car arrived at the house, the sheriff got out, Jim led him in and showed them the skeletons he had discovered. After the firefighters arrived they pulled out their ladders and positioned them downward. Police and firefighters climbed down the ladders, trying not to step on the bones.

The news of the discovery quickly got out to the St. Petersburg area. Reporters arrived at the house, but they were restricted as the yellow tape was placed around the house as the FBI forensic technicians carefully examined the bones. Hours later, the bones were separated and were individually taken out of the house with great care. But just as soon as all of the skeletons were taken out, suddenly an enormous cracking noise could be heard from the top of the house. Before anyone knew it, the roof had completely collapsed, followed by the rest of the house. Although people were standing near the house, they ran from it as fast as they could. Unfortunately, several FBI personnel fell and died right in front of the house.

Jim immediately called Mary who was already driving home. He told her the entire story, which she filled in the conversation with many surprised gasps, and lots of “I don’t believe it!” and “OMG”.

A week later, the St. Petersburg Times reported in its headlines: “One Hundred Year Old ‘Indestructible’ House Collapses from Inside”. The article reported, “The skeletons of 15 dead people who, according to authorities may have been the home’s original builders. They were lying near each other which formed a circle. All had been shot in the head in what appeared to be some kind of ritual cult murder. Apparently, this had been a hidden room discovered by the owner, who believed the floor he knocked in had been built to hide the skeletons. It has been suggested that the remains of these builders had something mystical to do with the house’s ‘indestructibility.’ This theory is plausible since the house caved in after a forensic FBI took the last cadaver out of the home. The current occupants did not respond to questions.”

Creating the "Wow Effect" to Sell Your Home

Selling your home is all about creating an emotional response in a prospective buyer. Buyers shop with logic, but buy on emotion. The best homes are those that produce that key emotional response from the moment a buyer drives up to the home and continues as they walk through each room of the house. Just like the best movies get better with every scene, so too, a home must get better as the buyer evaluates it. The end result is buyers who love the home and can see themselves living in it–the moment they open the door.

Sounds fairly straight forward, however producing this “Wow effect”, is best created and carefully planned by a professional home staging expert. You only have 5 seconds to make a good first impression on a buyer. If a home lacks emotional appeal, it appears undervalued and may languish on the market longer than it should.” Home Staging is the specialty of decorating homes to sell faster and for top dollar. A top home staging expert will create the “Wow effect” from curb appeal to each room in the home. The goal is to produce the emotional response to buy.

Homeowners on both coasts have become savvy of this concept over the past several years. They realize that to out-distance the competition, they need an edge. Home Staging is the least expensive way to produce that edge. A top realtor can market your home and bring in prospective buyers, but a well stage home will allow them to see themselves living in it.

Many home design shows have appeared on television over the past several years. These programs have had the effect of enhancing consumer awareness of a well decorated home, thus increasing expectations. They want to see a “show ready home” when house shopping. Many people have a difficult time seeing past a cluttered home with family photos adorning every wall.

Preparing a home to sell involves de-cluttering , de-personalizing, arranging furniture to create a warm and inviting space, and accessorizing to create the pizazz it needs. If a buyer sees a clean, well organized, inviting home, the odds of selling the home increases dramatically. In fact, this type of home often seems the exception rather than the rule. If a home staged well, it can distinguish itself in a meaningful way and sell quickly and for top dollar.

In a soft real estate market, savvy home sellers realize that a Home Staging specialist is an affordable investment that protects them from having to consider a price reduction. The average price reduction is approximately between 5 to 10 thousand dollars. A Home Staging consultant is more affordable and a viable alternative to reducing the price of the home.

Many home buyers are unaware of home staging. As awareness increases, so will the demand and importance of home staging to sellers. Many homeowners are under stress and feel overwhelmed when selling their home. A Home Staging consultant can help ease their fears and concerns by creating a plan of action.

Also, many homeowners are very attached to their home. Some have had their home for decades and are now selling. It can be a difficult and very personal experience for them. Selling a home can be especially difficult for people experiencing financial difficulties, divorce, job changes, etc. The transition from a very personalized home to one that will sell allows them to maximize the potential sale of their home and move on to the next phase of their lives.

Realtors are also recognizing the importance of Home Staging. Many of the top real estate companies are hailing Home Staging for the many benefits it offers realtors as well. Many realtors appreciate an objective third party to bring up sensitive topics with their clients or when husband and wife do not agree. The agent does not have to appear to be choosing sides. Home Staging also allows real estate agents to do what they do best– market the home for sale.

Selling a home is becoming more challenging in today’s real estate market. However, the astute homeowner can utilize the skills of a capable Home Staging expert as well as a top realtor to sell their home faster and for top dollar.

What are the Energy Performance Certificates for Houses in Belfast

What Is An Energy Performance Certificate?

An Energy Performance Certificate, also known as an EPC, is a certificate that shows from A to G how efficient your house or building is when it comes to energy. It is used to calculate the energy efficiency of your house. The houses that are very efficient in energy will find themselves falling in the upper bracket of the range. This shows that these houses and homes are more efficient when it comes to energy. This certificate also shows and advises on what effects a certain house has on the environment and how the rating of the property can be improved. So, if you are looking to sell your house fast, a tip is to ensure your EPC rating is good.

Why Are Energy Performance Certificates Required?

Energy Performance Certificates are required whenever a building or a house is being constructed. It is also issued for the existing houses as well as buildings. This certificate is required before any building or house is sold or given to tenants on rent. These certificates give a full report about the energy efficiency and energy usage of that particular building. By having and giving this certificate to the buyers or the tenants will help them in comparing the energy usage, consumption, and efficiency of the particular building with other similar buildings.

What Does The EPC Include?

An energy performance certificate includes all the information regarding energy efficiency a buyer, owner or a tenant needs to know. It also includes a report of recommendation in which some measures are mentioned on how the energy rating and efficiency of a particular building can be improved. It also shows how much the rating can be improved if the recommendation that has been mentioned in the report is followed and implemented.

Energy Performance Certificate; The Law

According to the law, as we mentioned before, the certificate is important to be issued either before the building comes into existence or when a particular house or building is being advertised for rent or sale. It is extremely vital to have an energy performance certificate, as a failure to have it can lead to strict action as per the law in Northern Ireland. One might have to face serious penalty charges.

Validity of an EPC

The certificate is valid for 10 years since the issuance date. During this time, according to the law, it is allowed to use it as many times as required.

An energy assessor who is accredited for issuance can only issue the certificate. It can only be produced when the assessor himself pays a visit to the building or the house, in order to assess the place himself.

As soon as the certificate is produced, a copy of it is updated in the national register, which is available publicly and can be searched in the energy performance certificate register.

Displaying the EPC

It is a must for some commercial buildings to keep the certificate on display where it is available to be seen by the public that visits the building. It needs to be in a prominent place, and on an A4 size paper, making it easier and clearer for the public to see.

Resources:

https://www.epc4less.com/

https://www.epc-belfast.net/

Selling Your Own Home Online

Nearly 80% of those who bought a house last year started their search online. If you’re selling your own home, an online For Sale By Owner (FSBO) site is nearly a must. According to realtors, most people who browse FSBO sites will view at least one house that they first saw online – and about half will purchase a home that they found in an online selling your own home web site. Knowing that, how can you not take advantage of all the new selling techniques available to those who are selling their own homes?

What sort of selling techniques are available to you if you’re selling your own home online? Depending on the site, you can literally have a 24/7 open house – without ever opening your front door. With photographs, multiple listings, virtual tours and floor plans, you can literally allow prospective buyers to tour your house without ever leaving their own homes.

There are several different ways to go about selling your own home through an online FSBO web site. Your best option is to contract with a local real estate agent for a flat fee listing, which will give you the right to post your home on a multiple listing service. With a flat fee listing, you pay a local realtor a flat fee of a few hundred dollars for the single service of listing your home with the Multiple Listing Service. Once your home is listed, you can post it on MLS web sites where it will be seen by hundreds of real estate agents and thousands of prospective buyers.

Another way that you can get your house listed on an MLS site is by contracting with a real estate agent with an Exclusive Sale Contract. You agree to pay that agent 2-3% commission if any realtor sells your house during the time that it is listed through him – but reserve the right to sell the house yourself without paying any commission. Again, your main aim, since you’re selling your own home, is to get the house listed on a multiple listing site.

There are also a number of FSBO sites that will allow you to list your home on their sites for a fee. Shop around for the best deal – they range in price from a single flat fee to a 2% commission when you sell your house.

Tips for Selling Your Own Home Online

– Upload at least one picture of your house that shows it in its best light. If you can, have the photograph taken by a professional photographer.

– Has your home got a gorgeous fireplace? A great view of the city? Make sure that you get a photo of that posted – the best way to sell your own home online is to make it look its best.

– Give buyers the info they want to know. Put information about the school system, the neighborhood, the local stores into your online ad. The more they know, the more likely it is that they’ll be ready to buy when they come looking.

– If your home is priced in the high ranges, consider investing in a virtual home tour so that prospective buyers can get a full tour of your home online and fall in love with it before they see it.

– Use your listing page to print out flyers that include the photographs and descriptions, and post them locally.

The internet gives you new tools for selling your own home. Just take it online, and see how far you can go with a few pictures.

How Staging Helps To Sell A House?: 4 Basic Options

Many homeowners, learn from their real estate agents, and opt to take advantage of some of the principles of staging their home, in order to enhance the potential and possibilities of achieving the finest, possible results, in terms of selling their houses, for the best possible price, in the minimum period of time! We refer to staging, as a process, which improves, how, potential buyers, might perceive the specific home, in a positive way. In light of that, this article will attempt to, briefly, consider, examine, review, and discuss, 4 basic options/ alternatives, for getting this done, effectively, and productively.

1. De – clutter, and touch – up, limited areas: In some instances, it only takes a little, well – considered, tweaking, to achieve the intended objectives. Before beginning to show the house, reduce the amount of clutter, significantly, remove excessive furniture and furnishings (put into storage, or dispose of), and proceed, to, touch – up, largely viewed areas (many people, can do this, themselves). When a house looks neater and cleaner, and distractions, and negatives, are removed, and/ or, addressed, it usually translates to better showings, and more, qualified buyer, interest, and, hopefully, meaningful offers!

2. Do – it – yourself (DIY) staging: Depending on the size, price, niche market, etc, it may be possible, to do – it – yourself! This DIY staging process, includes, reducing the amount of furniture, and fixtures, especially, any, which seem to show, wear – and – tear, or don’t enhance the overall appearance of the house. This should include: paying attention to curb appeal; reducing/ addressing any unwanted odors, and/ or, eye – sores; touch – up painting, cleaning fixtures, and adjusting lighting, and overall esthetics, etc.

3. Hire professional stager: Sometimes, it is necessary to hire a recommended, quality, professional home – stager! This process, often, includes: removing, existing furniture/ fixtures, and replacing them, with loaner items; enhancing strengths, and addressing areas of weakness, etc. However, because this is often, costly, to do, if you choose, a quality approach, the price range, and niche of the property, are relevant factors, whether this is an advisable approach, for you!

4. Study and understand some of the basics: It makes sense for homeowners, deciding to sell their homes, to thoroughly, study, and better understand, some of the essentials, and basics, which will add value to the transaction, and process! For example, to show a smaller room, such as a dining room, better, it often makes sense, to use taller furniture, and bigger fixtures, hanging from the ceilings. Understand, how lighting factors – in, as well, as where to highlight, and how to minimize attention, to some locations, Where some touch – up painting, curb appeal, etc, may be beneficial, are key considerations!

Become a smarter home seller, by understanding, and taking advantage of the relevant, applicable aspect of staging, for your specific house. Doesn’t that make sense?

Five Tips to Help You Sell Your House Now

Even if a quick home sale isn’t a do-or-die necessity, it is in your best financial interest. Surveys of real estate agents and popular knowledge make it clear that the longer a house lingers on the market, the lower the price will fall. Most homes that sell for their full asking price sell within two weeks of being listed. These five tips will help you sell your house NOW.

Tip # 1: Hire The Best Real Estate Agent You Can Find…

…and then follow his or her advice. Real estate agents are trained professionals whose business is selling homes for people. They can help you set the right price for your home, tell you what repairs and cosmetic changes you can make to help you sell faster, and guide you through the process step-by-step.

Tip # 2: Set the Right Price

The rule of thumb for selling a house fast is a price that’s within 5% to 10% of other homes in the neighborhood. If you’ve hired a real estate agent, they’ll know what other houses in your area have sold for. If you’ve decided to sell your home yourself, you can find information on recent home sales in your area online.

Tip # 3: It’s All About Curb Appeal

Most buyers who DON’T buy have already ruled out your house before they ever set foot through your front door. Don’t underestimate the value of the cosmetic appeal of the outside of your home. No matter how wonderful the inside of your house is, if it’s wrapped up in a shabby package and poor surroundings, then you’ll have a much more difficult time selling it. Take the time to fix up the outside of your house to show its best face to the world.

And don’t underestimate flower power! A small investment in a few plants to stand on the front steps or perk up a lawn border can make a huge difference in how your house is perceived.

Tip # 4: Make It Easy For Potential Buyers to Picture Themselves in Your House

Start by giving your house a thorough cleaning. Get rid of all clutter whether it’s visible or hidden in a closet. No one wants to buy a dirty house! Next, you should put away all of your personal belongings. You want your prospective buyers to see THEMSELVES in your living room, not you.

Another great trick when selling your home is to use a little psychology. If you’re repainting in summer months, consider using ‘cool’ colors. In winter, use warm ones. Make people feel happy in your house and it will sell faster!

Tip # 5: If you’ve Decided to Sell on Your Own, List Your Home with An FSBO Web Site

FSBO (For Sale By Owner) web sites are an excellent way to advertise your property. Most FSBO sites (http://www.forsalebyowner.com/, http://www.fiftystatesfsbo.com/) will tell you how to set up a Flat Fee Multiple Listing contract with a local Realtor. That will get your home listed in your local MLS service and dramatically increase its visibility.

If you’ve done your preparation work well, set the right price for your home and made sure that your house is as appealing as possible, you WILL sell your house NOW.

House Refinance

When to do a house refinance

When considering doing a home or house refinance, every homeowner is unique. The right time for a house refinance will vary with each case. Typically, effective house refinancing means lowering your current mortgage loan rate by at least one percent. Within the house refinance you might also want to consider changing the length of your loan or receiving cash from the house equity. There are many house refinance calculators available online to see which mix of variables will give you the houses refinance result that you are searching for.

House refinancing benefits.

House refinance that lowers your monthly payment can help in achieving better cash flow. This is often done to offset the short term costs of perhaps a business loan or another short term need such as providing an education for the children. Again a house refinance calculator can assist in seeing the benefits that the house refinance could have. If the goal of the house refinance is to shorten the term of the house loan, it is sometimes advantageous to move from an inflexible house loan arrangement taken out many years ago, to refinance with a progressive income offset or other more modern institution. A quick search for house refinance on the internet will provide you with a huge array of companies that will often give you a free house refinance quote.

House equity considerations.

House equity is often used to borrow against and the cash utilized to make house improvements. Commonly, up to 90 percent of the appraised value of your house can be used to make home improvements. Useable house equity is based on the value of the home and what you currently owe, subject to individual state laws. Often, if you do a house refinance with a new rate and term, you may still qualify even if you have little house equity. Sometimes up to 90 percent (LTV) loan-to-value. In this case, for a house refinance to be accepted, a reappraisal of your home may be required.

Costs of a house refinance.

To do a house refinance, you will have associated closing costs that include various processing fees. Often you will be able to roll these into your new house refinance package to help minimize out of pocket expenses. The online calculators for the different house refinance companies should include these costs in there quotations.

House refinance in conclusion.

Depending on your circumstances and goals, a house refinance can be a profitable option. Be aware of noting all of the set up costs involved in the house refinance, and balance the total end of loan figures against any momentary gains. There are many house refinance companies vying for your business. Do not be afraid to ask for a better deal than what is being offered, as the amount of house refinance competition is huge and companies can often come up with a better house refinance package when pushed to do so.

Happy refinancing.