What is Mortgage Insurance
Homeowners Insurance is something every homeowner will need. Mortgage lenders require homeowners insurance in order to protect their interests. In the event that the homeowner defaults on the loan (fails to pay the mortgage), homeowners insurance protects the lender's investment.
Homeowners insurance varies from county to county. Differences include the type of insurance needed and, of course, the insurance costs. For example, if you buy a home in an area where hurricanes are a concern, your homeowners insurance premium will likely be higher as a result.
You will need to get your insurance in place prior to the closing. In most cases, you'll need to show proof that the first year’s insurance premium has been paid.
How Much Mortgage Insurance?
The lender will require that the amount of the policy be at least as high as the amount of your mortgage, though most homeowners choose policies that cover the full replacement of their home and contents.
Finding an Insurance Provider
When researching homeowners insurance, you might want to start with the company that handles your other insurance needs. Often, insurance companies will offer discounts for customers that have multiple policies with them. Umbrella policies can cover all of your insurance needs while saving you money at the same time.
Your real estate agent or attorney should be able to tell you precisely what you need in terms of homeowners insurance. As soon as possible, you should verify that the insurance company has provided you with sufficient coverage to satisfy the lender.
Asking the Right Questions
When selecting homeowners insurance, speak candidly with the insurance representative and ask pointed questions. It's the only way to understand what the policy does and does not cover, and what options you have in terms of coverage.
The most important thing to remember about homeowners insurance is that it must, at the very least, meet the lender's requirements. Once you've met the bank's requirements, you can shape the policy to meet your own needs.
About the Author
Brandon Cornett is publisher of Home Buying Institute, the Internet's largest library of home buying advice. You can learn more about the home buying process by visiting http://www.homebuyinginstitute.com
Monday, September 10, 2007
How to Buy a Home With a Low Down-Payment
It's no surprise that so many Americans are looking for ways to buy a home with a low down payment.
After all, with so many other costs associated with a home purchase -- like closing costs, furniture, moving expenses, etc. -- coming up with a large down payment isn't always an option. So the idea of buying a home with a low down payment can be very appealing to many buyers, especially first time home buyers.
Many people mistakenly believe that a down payment of at least 20 percent is required in all mortgage scenarios. This is the way things were for a long time. But these days, there are more flexible loan programs and terms available to home buyers. In fact, some mortgage lenders will extend loans to qualified buyers with a down payment as low as 5 percent of the purchase price.
Generally, a mortgage loan with a down payment of less than 20 percent is referred to as a low down payment mortgage loan.
But like all things in life (and in home buying), there are special conditions to buying a home with a low down payment. For instance, many mortgage lenders who grant loans with such a low down payment usually require that the loan be insured in some way. This insurance is aptly called mortgage insurance.
Mortgage Insurance for a Low Down Payment
Mortgage insurance is just what it sounds like -- insurance on a home mortgage loan. This type of insurance protects the lender financially in the event that a homeowner defaults (ceases to make payments) on the mortgage.
Mortgage lenders usually require mortgage insurance on loans with a down payment of 20 percent or less. In other words, some form of mortgage insurance is almost always required for a low down payment mortgage. The home buyer is usually required to pay the cost of this mortgage insurance.
Two Types of Mortgage Insurance - Government and Private
Let's recap what we have covered so far. We know that it's possible to buy a home with a low down payment, and that a 20 percent down payment is not always necessary. We also said that most lenders who offer mortgages with a low down payment (below 20 percent) will also require some form of mortgage insurance. Thus, buying a home with a low down payment almost always requires mortgage insurance.
With that straight, let's talk about the two types of mortgage insurance -- governmental and private.
Government Mortgage Insurance
Government-backed mortgages are usually insured by one of three federal organizations. These mortgages are either insured by (A) the Federal Housing Administration, or FHA; (B) the Department of Veterans Affairs, or VA; or (C) the Department of Agriculture's Rural Housing Service, or RHS.
Each of these agencies has its own criteria for the types of loans they will ensure. For example, the VA Home Loan program only applies to military veterans or their spouses, and RHS loans are usually reserved for people in rural areas.
The FHA requires a minimum down payment of 3 percent. They also limit the loan amount that they're willing to ensure based on geographic area.
So this is governmental path to buying a home with a low down payment. When you obtain a mortgage loan backed by one of the federal organizations listed above, you can make a down payment less than the traditional 20 percent.
Private Mortgage Insurance
In addition to the three governmental options above, there are also private companies willing to insure mortgage loans. This too can be a path to home buying with a lower down payment. Private mortgage insurance is aptly referred to as PMI. Private mortgage insurance is available to a much wider audience than the governmental options listed above. For instance, there are no restrictions regarding military service or rural residence.
Private mortgage insurance, or PMI, is available on a wide variety of low down payment home loans and there is no pre-determined limit on the loan amount (as there usually is with the government-backed mortgage loans).
Conclusion
These days, it is certainly possible to buy a home with a low down payment. In this context, "low" refers to a down payment of less than 20 percent. These types of home loans require some form of mortgage insurance, either government insurance or private mortgage insurance (PMI). Here are some resources to help you learn more about home buying with low money down.
* You may republish this article online if you retain the author's byline and the active hyperlinks below. Copyright 2007, Brandon Cornett.
About the Author
Brandon Cornett publishes a network of websites related to home buying and mortgages. For more tips on buying a home please visit the Home Buying Institute at http://www.homebuyinginstitute.com
After all, with so many other costs associated with a home purchase -- like closing costs, furniture, moving expenses, etc. -- coming up with a large down payment isn't always an option. So the idea of buying a home with a low down payment can be very appealing to many buyers, especially first time home buyers.
Many people mistakenly believe that a down payment of at least 20 percent is required in all mortgage scenarios. This is the way things were for a long time. But these days, there are more flexible loan programs and terms available to home buyers. In fact, some mortgage lenders will extend loans to qualified buyers with a down payment as low as 5 percent of the purchase price.
Generally, a mortgage loan with a down payment of less than 20 percent is referred to as a low down payment mortgage loan.
But like all things in life (and in home buying), there are special conditions to buying a home with a low down payment. For instance, many mortgage lenders who grant loans with such a low down payment usually require that the loan be insured in some way. This insurance is aptly called mortgage insurance.
Mortgage Insurance for a Low Down Payment
Mortgage insurance is just what it sounds like -- insurance on a home mortgage loan. This type of insurance protects the lender financially in the event that a homeowner defaults (ceases to make payments) on the mortgage.
Mortgage lenders usually require mortgage insurance on loans with a down payment of 20 percent or less. In other words, some form of mortgage insurance is almost always required for a low down payment mortgage. The home buyer is usually required to pay the cost of this mortgage insurance.
Two Types of Mortgage Insurance - Government and Private
Let's recap what we have covered so far. We know that it's possible to buy a home with a low down payment, and that a 20 percent down payment is not always necessary. We also said that most lenders who offer mortgages with a low down payment (below 20 percent) will also require some form of mortgage insurance. Thus, buying a home with a low down payment almost always requires mortgage insurance.
With that straight, let's talk about the two types of mortgage insurance -- governmental and private.
Government Mortgage Insurance
Government-backed mortgages are usually insured by one of three federal organizations. These mortgages are either insured by (A) the Federal Housing Administration, or FHA; (B) the Department of Veterans Affairs, or VA; or (C) the Department of Agriculture's Rural Housing Service, or RHS.
Each of these agencies has its own criteria for the types of loans they will ensure. For example, the VA Home Loan program only applies to military veterans or their spouses, and RHS loans are usually reserved for people in rural areas.
The FHA requires a minimum down payment of 3 percent. They also limit the loan amount that they're willing to ensure based on geographic area.
So this is governmental path to buying a home with a low down payment. When you obtain a mortgage loan backed by one of the federal organizations listed above, you can make a down payment less than the traditional 20 percent.
Private Mortgage Insurance
In addition to the three governmental options above, there are also private companies willing to insure mortgage loans. This too can be a path to home buying with a lower down payment. Private mortgage insurance is aptly referred to as PMI. Private mortgage insurance is available to a much wider audience than the governmental options listed above. For instance, there are no restrictions regarding military service or rural residence.
Private mortgage insurance, or PMI, is available on a wide variety of low down payment home loans and there is no pre-determined limit on the loan amount (as there usually is with the government-backed mortgage loans).
Conclusion
These days, it is certainly possible to buy a home with a low down payment. In this context, "low" refers to a down payment of less than 20 percent. These types of home loans require some form of mortgage insurance, either government insurance or private mortgage insurance (PMI). Here are some resources to help you learn more about home buying with low money down.
* You may republish this article online if you retain the author's byline and the active hyperlinks below. Copyright 2007, Brandon Cornett.
About the Author
Brandon Cornett publishes a network of websites related to home buying and mortgages. For more tips on buying a home please visit the Home Buying Institute at http://www.homebuyinginstitute.com
First Time Home Buying Tips
We are coming into the time of year when people move. Homes are bought and sold. If you are a renter you may be thinking of buying a home. It may be your first home and you are not sure about how to go about doing it. Here are some tips to consider when it comes to buying a new home.
First of all find a good realtor you can work with. You want it to be someone you feel comfortable with yet has the experience to do a good job as well. No sense having them learning the ropes on you.
Find a realtor that specializes in buying and selling homes in the area you are looking to buy in. This is important as they will be able to answer questions on everything from the average sale price, to where are the best schools in this area.
Next you will want to to get pre-qualified for a mortgage loan. Your realtor can recommend a good mortgage broker to work with if you do not have someone in mind. Getting pre qualified will give you the price range you can afford which will help when you start looking at homes.
The mortgage professional will look at your credit worthiness, your income, and your debt load and to determine what you can afford and what they are willing to lend you. They will also be able to offer you various loan packages to help you zero in the monthly payment you are looking to make.
Another thing to think about is whether you want to buy a new home or a resale. There are good things and bad things about both. Of course a new home has never been lived in so you get to build it the way you want.
An older home may need repairs and you will need to pay attention to things like the foundation and roof. New home have warranties where ana older home may not. An older home is probably already landscaped and has the yard in place where you may have to do that yourself on a new one.
Sometimes people who have never bought will look at condos and townhomes as a starter home. Price is a reason for that and they can be a good option for some people. The downside to a condo or town home can be having a place for kids to play and you have noise issues much like living in an apartment complex.
Buying a home is an exciting time, but you have to be smart. Do not let your excitement rush you into doing something you will regret later. If you feel unsure about anything get a second opinion.
Once everything feels right and you have found the right home consider using a real estate lawyer to review your contract before you sign it. A new home is the largest investment most people make and you want to be sure you understand what you are signing.
Jeff Schuman invites you to visit his article writer website for $10 articles and multiple article discounts. To see how he uses JV With Jeff to help you make money online please visit his web site here now: http://www.Team-Schuman.com
Article Source: http://EzineArticles.com/?expert=Jeff_Schuman
First of all find a good realtor you can work with. You want it to be someone you feel comfortable with yet has the experience to do a good job as well. No sense having them learning the ropes on you.
Find a realtor that specializes in buying and selling homes in the area you are looking to buy in. This is important as they will be able to answer questions on everything from the average sale price, to where are the best schools in this area.
Next you will want to to get pre-qualified for a mortgage loan. Your realtor can recommend a good mortgage broker to work with if you do not have someone in mind. Getting pre qualified will give you the price range you can afford which will help when you start looking at homes.
The mortgage professional will look at your credit worthiness, your income, and your debt load and to determine what you can afford and what they are willing to lend you. They will also be able to offer you various loan packages to help you zero in the monthly payment you are looking to make.
Another thing to think about is whether you want to buy a new home or a resale. There are good things and bad things about both. Of course a new home has never been lived in so you get to build it the way you want.
An older home may need repairs and you will need to pay attention to things like the foundation and roof. New home have warranties where ana older home may not. An older home is probably already landscaped and has the yard in place where you may have to do that yourself on a new one.
Sometimes people who have never bought will look at condos and townhomes as a starter home. Price is a reason for that and they can be a good option for some people. The downside to a condo or town home can be having a place for kids to play and you have noise issues much like living in an apartment complex.
Buying a home is an exciting time, but you have to be smart. Do not let your excitement rush you into doing something you will regret later. If you feel unsure about anything get a second opinion.
Once everything feels right and you have found the right home consider using a real estate lawyer to review your contract before you sign it. A new home is the largest investment most people make and you want to be sure you understand what you are signing.
Jeff Schuman invites you to visit his article writer website for $10 articles and multiple article discounts. To see how he uses JV With Jeff to help you make money online please visit his web site here now: http://www.Team-Schuman.com
Article Source: http://EzineArticles.com/?expert=Jeff_Schuman
Your Home Buying Checklist
A good home buying checklist, like any good checklist, can make things go more smoothly. You will have to put your own list together according to what your own needs, but here are some items that will be common to most home buying lists.
___ Prepare. Consider not only what monthly payment you can afford, but how much you want to afford, given your other goals. Check your credit report and take actions to improve your credit score. Make a list of what you want or need in a home, and prioritize it in case you can't get everything.
___ Choose an area in which to focus your search. What do you need in a town or neighborhood? Use online resources to investigate towns. Check crime rates online. Investigate schools. Look at local newspapers online to get a "feel" for a town.
___ Get preapproved. Gather pay stubs for the last few months. Find recent bank statements, tax returns, w-2 forms, proof of other income. Ask questions about loan options (take notes). Make copies of pre-approval letter to submit with offers.
___ Start home shopping. Browse online listings. Look in newspapers, and real estate guides. Find a real estate agent that is active in the area you are interested in, and with the types of houses you are looking for. Consider a buyer's agent. Explain clearly what you are looking for. If the agent shows you homes that clearly don't fit your criteria, fire him. Take notes on homes you see.
___ Look at the homes. Does the home meet your requirements? How does it feel when you walk through it? Look at the neighborhood. Ask the agent about any problems the home may have. Take a photo, or write a description, so you'll remember the home after looking at others. Ask a lot of questions. Use a home inspection checklist, taking notes to pass on to a professional home inspector.
___ Make a decision. Does the home work for you? Find out the appraised value if possible. Find out why the seller is selling. How does the home compare to others you have seen? What is the home worth to you, based on what you know of values at this point? Ask the agent if there have been other offers, and what happened with them.
___ Make an offer. Have the agent help, but don't reveal your thoughts on possible negotiations. Write your earnest money check to an agency, or the real estate broker if they have an escrow account. Be clear in the offer as to what stays with the home. Specify who will pay for each closing cost. Include contingencies for any necessary inspections.
___ Complete the purchase. Arrange inspections as soon as the offer is accepted. Satisfy any other contingencies in the offer. Get a loan commitment from a lender. Get a firm closing date. Buy home owners insurance. Get a closing statement. Obtain the cashiers check for the closing.
___ Prepare for the move. Once closing is certain, arrange for transfer of utilities to your name. Mail change of address forms to post office. Start packing. Hire a mover. Transfer prescriptions. Get kids registered in new schools.
As a final item on your home buying checklist, check out everything thoroughly when you arrive at your new home. It should be in the same (or better) condition as when you made the offer.
Copyright Steve Gillman. See a photo of the house we bought for $17,500 (home page), get a Home Inspection Checklist, and more, at: http://www.HousesUnderFiftyThousand.com
Article Source: http://EzineArticles.com/?expert=Steven_Gillman
___ Prepare. Consider not only what monthly payment you can afford, but how much you want to afford, given your other goals. Check your credit report and take actions to improve your credit score. Make a list of what you want or need in a home, and prioritize it in case you can't get everything.
___ Choose an area in which to focus your search. What do you need in a town or neighborhood? Use online resources to investigate towns. Check crime rates online. Investigate schools. Look at local newspapers online to get a "feel" for a town.
___ Get preapproved. Gather pay stubs for the last few months. Find recent bank statements, tax returns, w-2 forms, proof of other income. Ask questions about loan options (take notes). Make copies of pre-approval letter to submit with offers.
___ Start home shopping. Browse online listings. Look in newspapers, and real estate guides. Find a real estate agent that is active in the area you are interested in, and with the types of houses you are looking for. Consider a buyer's agent. Explain clearly what you are looking for. If the agent shows you homes that clearly don't fit your criteria, fire him. Take notes on homes you see.
___ Look at the homes. Does the home meet your requirements? How does it feel when you walk through it? Look at the neighborhood. Ask the agent about any problems the home may have. Take a photo, or write a description, so you'll remember the home after looking at others. Ask a lot of questions. Use a home inspection checklist, taking notes to pass on to a professional home inspector.
___ Make a decision. Does the home work for you? Find out the appraised value if possible. Find out why the seller is selling. How does the home compare to others you have seen? What is the home worth to you, based on what you know of values at this point? Ask the agent if there have been other offers, and what happened with them.
___ Make an offer. Have the agent help, but don't reveal your thoughts on possible negotiations. Write your earnest money check to an agency, or the real estate broker if they have an escrow account. Be clear in the offer as to what stays with the home. Specify who will pay for each closing cost. Include contingencies for any necessary inspections.
___ Complete the purchase. Arrange inspections as soon as the offer is accepted. Satisfy any other contingencies in the offer. Get a loan commitment from a lender. Get a firm closing date. Buy home owners insurance. Get a closing statement. Obtain the cashiers check for the closing.
___ Prepare for the move. Once closing is certain, arrange for transfer of utilities to your name. Mail change of address forms to post office. Start packing. Hire a mover. Transfer prescriptions. Get kids registered in new schools.
As a final item on your home buying checklist, check out everything thoroughly when you arrive at your new home. It should be in the same (or better) condition as when you made the offer.
Copyright Steve Gillman. See a photo of the house we bought for $17,500 (home page), get a Home Inspection Checklist, and more, at: http://www.HousesUnderFiftyThousand.com
Article Source: http://EzineArticles.com/?expert=Steven_Gillman
Home Buying Tip: 7 Ways to Avoid Unethical Lenders
Purpose of this home buying tip: To give you the information you need to protect yourself from unethical or "predatory" lenders during the home buying process.
What's a Predatory Lender?
Unethical lenders are commonly referred to as "predatory" lenders. It's a fitting description, because just like the lion preys upon the weakest of the herd, these lenders prey upon the most uniformed of home buyers.
Some predatory lenders lure you in with big promises, such as low rates, easy qualification and flexible terms. Others use the "only chance" ploy, trying to convince you that they are your only hope for a mortgage loan. By the time you realize what has happened, you've become a victim of loan fraud.
How Can I Protect Myself?
Common sense goes along way to protect you from predatory lenders. Trust your "gut" instincts during the home buying process. If something doesn't feel right, it's probably not.
Here are seven more ways to avoid predatory lenders:
1. Educate Yourself
Educate yourself before buying a home. Your education should include the types of mortgages, how the mortgage process works, what rights you have under the RESPA act and more. You can start your education by visiting HomeBuyingInstitute.com, the Internet's largest library of professional home buying advice.
2. Get Professional Help
Seek professional help from a real estate agent. Agent fees are nominal when compared to the price you'll pay for a new home. And the protection and advice they can offer are priceless.
3. Know Your Market
Start following real estate trends in your area. Get information about the prices of other homes nearby. Don't be tricked into paying too much.
4. Compare Lenders
Shop for a mortgage lender and compare their costs. By comparing several lenders, you'll be more likely to spot red flags, such as unusually low interests rates or other "to good to be true" promises.
5. Be Honest
Never let a mortgage lender persuade you to make false statements on your mortgage application. You are solely responsible for the information you put onto such documents.
6. Read the Fine Print
Take your time when reviewing mortgage documents. If somebody rushes you to sign something, tell them goodbye. Have your agent review the documents with you, or hire a real estate attorney if necessary. Never sign a document until you fully understand it.
7. Don't Sign Blank Areas
In your mortgage application, make sure there are no blank areas to be "filled in later." If there are blanks, mark them with "N/A" or cross them out.
Conclusion
Trust your instincts when buying a home, ask plenty of questions, and read all the fine print. If a deal sounds too good to be true, it probably is!
* Copyright 2006, Brandon Cornett. You may republish this article online provided you keep the byline, author's note, and active hyperlinks.
Learn more:
For more home buying tips, visit HomeBuyingInstitute.com -- the Internet's largest library of home buying articles and advice. Online at http://www.HomeBuyingInstitute.com
Article Source: http://EzineArticles.com/?expert=Brandon_Cornett
What's a Predatory Lender?
Unethical lenders are commonly referred to as "predatory" lenders. It's a fitting description, because just like the lion preys upon the weakest of the herd, these lenders prey upon the most uniformed of home buyers.
Some predatory lenders lure you in with big promises, such as low rates, easy qualification and flexible terms. Others use the "only chance" ploy, trying to convince you that they are your only hope for a mortgage loan. By the time you realize what has happened, you've become a victim of loan fraud.
How Can I Protect Myself?
Common sense goes along way to protect you from predatory lenders. Trust your "gut" instincts during the home buying process. If something doesn't feel right, it's probably not.
Here are seven more ways to avoid predatory lenders:
1. Educate Yourself
Educate yourself before buying a home. Your education should include the types of mortgages, how the mortgage process works, what rights you have under the RESPA act and more. You can start your education by visiting HomeBuyingInstitute.com, the Internet's largest library of professional home buying advice.
2. Get Professional Help
Seek professional help from a real estate agent. Agent fees are nominal when compared to the price you'll pay for a new home. And the protection and advice they can offer are priceless.
3. Know Your Market
Start following real estate trends in your area. Get information about the prices of other homes nearby. Don't be tricked into paying too much.
4. Compare Lenders
Shop for a mortgage lender and compare their costs. By comparing several lenders, you'll be more likely to spot red flags, such as unusually low interests rates or other "to good to be true" promises.
5. Be Honest
Never let a mortgage lender persuade you to make false statements on your mortgage application. You are solely responsible for the information you put onto such documents.
6. Read the Fine Print
Take your time when reviewing mortgage documents. If somebody rushes you to sign something, tell them goodbye. Have your agent review the documents with you, or hire a real estate attorney if necessary. Never sign a document until you fully understand it.
7. Don't Sign Blank Areas
In your mortgage application, make sure there are no blank areas to be "filled in later." If there are blanks, mark them with "N/A" or cross them out.
Conclusion
Trust your instincts when buying a home, ask plenty of questions, and read all the fine print. If a deal sounds too good to be true, it probably is!
* Copyright 2006, Brandon Cornett. You may republish this article online provided you keep the byline, author's note, and active hyperlinks.
Learn more:
For more home buying tips, visit HomeBuyingInstitute.com -- the Internet's largest library of home buying articles and advice. Online at http://www.HomeBuyingInstitute.com
Article Source: http://EzineArticles.com/?expert=Brandon_Cornett
Saturday, September 8, 2007
Moving Guide: How To Move With Pets
We all know the trials of moving from one home to another. No matter how much we plan ahead, the job of moving is stressful. And as a pet owner (two cats and a dog), I can appreciate the planning required when moving to a new home with pets. From pre-move pet planning to considering a pet mover, this article will walk you through it step by step.
Pre-move pet planning
Contact the State Veterinarian’s Office or the State Department of Agriculture to request the pet laws and regulations of your destination state.
Contact the local office of the City Clerk to request information on pet ordinances. There may be “leash laws,” license requirements, and household pet limitations. Manying zoning laws prohibit certain “pets,” such as pigs, goats, venomous snakes, or monkeys in apartments, condominiums, and residential communities.
Check your apartment lease or condominium complex rules to make sure you are in compliance with the community’s pet regulations and rules, i.e., some condos allow one dog weighing less than 20 lbs. per household.
Request your pet’s health records from your veterinarian so you will have them on hand when you register with your new vet.
Take a current photo of your pet with you at the time of the move in the unfortunate event your pet is lost.
However you are traveling put a collar with ID tag on your pet that in the very least includes the pet’s name, your name, and your new address.Your best bet is to get tags and advice from your vet who can help you include a rabies tag on the collar if needed as most states require this. You can also seek assistance from a state animal control agency.
Ask your veterinarian if a Health Certificate is required for your pet in your destination state. If so, this certificate can only be issued by a licensed veterinarian and must be accompanied by current inoculation records.
If you own an exotic pet, your vet can help you verify if you need a permit to enter the destination state with your pet and assist you in applying for one.
Animals love routine.If you choose to take your animal with you by car, be sure to bring along a few of their favorite toys, treats, and blanket.
Deciding how to move your pet
How should you transport your pet to its new home? By air, ground transport, or in your car? If you are not equipped to provide lots of tender loving care to your pet during a cross-country trip, perhaps it’s better to hire a professional pet mover to take your animal to its new home by truck or air. If you are flying to your new destination, it’s probably preferable and always more cost-effective to just take your pet with you.
However you decide to move your little friend, a sturdy, secure carrier that is spacious enough for your pet to move around in, lie down, and stand up in is paramount. Make sure it has adequate cross-ventilation and a leak-proof base that you can layer with absorbent lining.
Taking your pet on the road
If you decide to take the family pet on the road trip to your new home, you’ll save money and help your animal feel secure amid the changes. Taking your pet on the road can be an enjoyable experience provided you plan accordingly.
Make sure your pet is comfortable traveling by car or take it out on some short “road trips” to get it used to it. If your pet is prone to motion sickness, discuss the situation with your veterinarian who can prescribe medication to reduce or eliminate the symptoms.
Feed your pet and provide it water a few hours before you leave and feed it only once daily, if possible, while on the road. Bring along bottled water to avoid upset stomachs.
If you are traveling with a dog, make periodic stops so you can take it for walks on a leash and provide it with water as needed.
Keep power windows up and locked to prevent the animal from inadvertently lowering the window and jumping or falling out.
Keep your pets cool inside the car, especially when it’s hot outside to keep them comfortable and prevent motion sickness. Small animals, such as gerbils, hamsters, and guinea pigs are sensitive to hot and cold temperatures.
Do not leave your pet unattended in the car unless you are within eyesight and for a brief period. In that case, crack the windows and make sure the air temperature is moderate and there is plenty of water for your pet.
If you plan to stay in hotels for overnight stops, contact lodgings in advance to be certain they are pet-friendly establishments.
Keep a plentiful supply of bottled water, disinfectant, room deodorizer, and paper towels in the car as well as an extra leash. If you are traveling with a dog, extra cleanup bags and a scooper are a must.
Keep your pet’s favorite toys and blanket nearby at all times.
Traveling by air
If you decide to fly your pet to its new destination, federal regulations require using a carrier that has a secure closing mechanism that can be opened in case of emergency. You will not be permitted to lock the carrier during the flight. As soon as you decide to fly with your pet, make sure you check with the airlines about carrier and pet requirements and restrictions. For instance, an exotic animal such as a venomous snake may not be allowed on the plane.
To ensure that your pet is as safe and comfortable as possible during the flight, here are a few more tips:
Most airlines offer reasonably priced approved carriers for sale with at least 48-hour notice. If you decide to purchase an authorized kennel from an airline, you can rest assured that these carriers meet all pet transportation requirements as designated by the US Dept. of Agriculture (USDA) and International Air Transport Association (IATA).
Leave your carrier out at home for a few weeks to give your pet a chance to get familiar with it. Tuck your pet’s favorite toys or blanket in it, to entice him or her into getting comfortable in the carrier.
Make sure your pet is on the same flight you are taking.
If you are taking a small dog or a cat with you, ask the airlines if your pet can travel on board with you rather than in the cargo area and inquire about any related requirements.
Book a direct flight so you do not have to worry about any mishaps that can occur when changing flights.
Have your pet’s nails clipped before the flight to ensure the pet’s safety as well as the safety of any person who may need to handle the pet.
Consult with a trusted veterinarian about whether you should consider giving your pet tranquilizers during the trip.
Carry a photo of your pet with you at all times in case your pet is lost during the trip and fasten two IDs to your pet’s collar: one with the pet’s name, your name, and new address, and another temporary travel ID that lists your pet’s name and your name or a contact’s name, address, and a telephone number where someone can be immediately contacted in case of emergency.
Feed your pet five or six hours before the flight and provide it water up to two hours before takeoff, except in the case of a very hot day.
When should you consider a professional pet mover?
If your pet requires special handling due to illness, or you believe the stress of taking it on a long road trip on route to your new home might be too stressful for the animal, you may wish to consider hiring professional pet movers to transport your pet to its new home. Buses, trains, and traditional movers are not legally permitted to move pets, with the exception of Seeing Eye dogs. You can ask your veterinarian for a referral or look in the yellow pages and ask a business for references.
Moving your pet into your new home
Once you arrive at your new home, designate an empty room for your pet. In it put the open carrier, its food, water, toys, and blanket. Visit your pet periodically and remain calm in its presence. Also, let it get used to the back yard if you have one. Keeping your pet away from the hustle and bustle of moving-in day as much as possible will help it feel more secure while it’s getting used to its new surroundings. Once everything settles down, you can open the door to your pet’s room and it will join the rest of the family when it is ready. The sooner you can re-establish its set routines in the new house, the better. Before you know it, your pet will feel right at home in the new house.
http://www.homesadvisory.com/moving-guide-how-to-move-with-pets.html
Pre-move pet planning
Contact the State Veterinarian’s Office or the State Department of Agriculture to request the pet laws and regulations of your destination state.
Contact the local office of the City Clerk to request information on pet ordinances. There may be “leash laws,” license requirements, and household pet limitations. Manying zoning laws prohibit certain “pets,” such as pigs, goats, venomous snakes, or monkeys in apartments, condominiums, and residential communities.
Check your apartment lease or condominium complex rules to make sure you are in compliance with the community’s pet regulations and rules, i.e., some condos allow one dog weighing less than 20 lbs. per household.
Request your pet’s health records from your veterinarian so you will have them on hand when you register with your new vet.
Take a current photo of your pet with you at the time of the move in the unfortunate event your pet is lost.
However you are traveling put a collar with ID tag on your pet that in the very least includes the pet’s name, your name, and your new address.Your best bet is to get tags and advice from your vet who can help you include a rabies tag on the collar if needed as most states require this. You can also seek assistance from a state animal control agency.
Ask your veterinarian if a Health Certificate is required for your pet in your destination state. If so, this certificate can only be issued by a licensed veterinarian and must be accompanied by current inoculation records.
If you own an exotic pet, your vet can help you verify if you need a permit to enter the destination state with your pet and assist you in applying for one.
Animals love routine.If you choose to take your animal with you by car, be sure to bring along a few of their favorite toys, treats, and blanket.
Deciding how to move your pet
How should you transport your pet to its new home? By air, ground transport, or in your car? If you are not equipped to provide lots of tender loving care to your pet during a cross-country trip, perhaps it’s better to hire a professional pet mover to take your animal to its new home by truck or air. If you are flying to your new destination, it’s probably preferable and always more cost-effective to just take your pet with you.
However you decide to move your little friend, a sturdy, secure carrier that is spacious enough for your pet to move around in, lie down, and stand up in is paramount. Make sure it has adequate cross-ventilation and a leak-proof base that you can layer with absorbent lining.
Taking your pet on the road
If you decide to take the family pet on the road trip to your new home, you’ll save money and help your animal feel secure amid the changes. Taking your pet on the road can be an enjoyable experience provided you plan accordingly.
Make sure your pet is comfortable traveling by car or take it out on some short “road trips” to get it used to it. If your pet is prone to motion sickness, discuss the situation with your veterinarian who can prescribe medication to reduce or eliminate the symptoms.
Feed your pet and provide it water a few hours before you leave and feed it only once daily, if possible, while on the road. Bring along bottled water to avoid upset stomachs.
If you are traveling with a dog, make periodic stops so you can take it for walks on a leash and provide it with water as needed.
Keep power windows up and locked to prevent the animal from inadvertently lowering the window and jumping or falling out.
Keep your pets cool inside the car, especially when it’s hot outside to keep them comfortable and prevent motion sickness. Small animals, such as gerbils, hamsters, and guinea pigs are sensitive to hot and cold temperatures.
Do not leave your pet unattended in the car unless you are within eyesight and for a brief period. In that case, crack the windows and make sure the air temperature is moderate and there is plenty of water for your pet.
If you plan to stay in hotels for overnight stops, contact lodgings in advance to be certain they are pet-friendly establishments.
Keep a plentiful supply of bottled water, disinfectant, room deodorizer, and paper towels in the car as well as an extra leash. If you are traveling with a dog, extra cleanup bags and a scooper are a must.
Keep your pet’s favorite toys and blanket nearby at all times.
Traveling by air
If you decide to fly your pet to its new destination, federal regulations require using a carrier that has a secure closing mechanism that can be opened in case of emergency. You will not be permitted to lock the carrier during the flight. As soon as you decide to fly with your pet, make sure you check with the airlines about carrier and pet requirements and restrictions. For instance, an exotic animal such as a venomous snake may not be allowed on the plane.
To ensure that your pet is as safe and comfortable as possible during the flight, here are a few more tips:
Most airlines offer reasonably priced approved carriers for sale with at least 48-hour notice. If you decide to purchase an authorized kennel from an airline, you can rest assured that these carriers meet all pet transportation requirements as designated by the US Dept. of Agriculture (USDA) and International Air Transport Association (IATA).
Leave your carrier out at home for a few weeks to give your pet a chance to get familiar with it. Tuck your pet’s favorite toys or blanket in it, to entice him or her into getting comfortable in the carrier.
Make sure your pet is on the same flight you are taking.
If you are taking a small dog or a cat with you, ask the airlines if your pet can travel on board with you rather than in the cargo area and inquire about any related requirements.
Book a direct flight so you do not have to worry about any mishaps that can occur when changing flights.
Have your pet’s nails clipped before the flight to ensure the pet’s safety as well as the safety of any person who may need to handle the pet.
Consult with a trusted veterinarian about whether you should consider giving your pet tranquilizers during the trip.
Carry a photo of your pet with you at all times in case your pet is lost during the trip and fasten two IDs to your pet’s collar: one with the pet’s name, your name, and new address, and another temporary travel ID that lists your pet’s name and your name or a contact’s name, address, and a telephone number where someone can be immediately contacted in case of emergency.
Feed your pet five or six hours before the flight and provide it water up to two hours before takeoff, except in the case of a very hot day.
When should you consider a professional pet mover?
If your pet requires special handling due to illness, or you believe the stress of taking it on a long road trip on route to your new home might be too stressful for the animal, you may wish to consider hiring professional pet movers to transport your pet to its new home. Buses, trains, and traditional movers are not legally permitted to move pets, with the exception of Seeing Eye dogs. You can ask your veterinarian for a referral or look in the yellow pages and ask a business for references.
Moving your pet into your new home
Once you arrive at your new home, designate an empty room for your pet. In it put the open carrier, its food, water, toys, and blanket. Visit your pet periodically and remain calm in its presence. Also, let it get used to the back yard if you have one. Keeping your pet away from the hustle and bustle of moving-in day as much as possible will help it feel more secure while it’s getting used to its new surroundings. Once everything settles down, you can open the door to your pet’s room and it will join the rest of the family when it is ready. The sooner you can re-establish its set routines in the new house, the better. Before you know it, your pet will feel right at home in the new house.
http://www.homesadvisory.com/moving-guide-how-to-move-with-pets.html
Moving Guide: How To Move With Pets
We all know the trials of moving from one home to another. No matter how much we plan ahead, the job of moving is stressful. And as a pet owner (two cats and a dog), I can appreciate the planning required when moving to a new home with pets. From pre-move pet planning to considering a pet mover, this article will walk you through it step by step.
Pre-move pet planning
Contact the State Veterinarian’s Office or the State Department of Agriculture to request the pet laws and regulations of your destination state.
Contact the local office of the City Clerk to request information on pet ordinances. There may be “leash laws,” license requirements, and household pet limitations. Manying zoning laws prohibit certain “pets,” such as pigs, goats, venomous snakes, or monkeys in apartments, condominiums, and residential communities.
Check your apartment lease or condominium complex rules to make sure you are in compliance with the community’s pet regulations and rules, i.e., some condos allow one dog weighing less than 20 lbs. per household.
Request your pet’s health records from your veterinarian so you will have them on hand when you register with your new vet.
Take a current photo of your pet with you at the time of the move in the unfortunate event your pet is lost.
However you are traveling put a collar with ID tag on your pet that in the very least includes the pet’s name, your name, and your new address.Your best bet is to get tags and advice from your vet who can help you include a rabies tag on the collar if needed as most states require this. You can also seek assistance from a state animal control agency.
Ask your veterinarian if a Health Certificate is required for your pet in your destination state. If so, this certificate can only be issued by a licensed veterinarian and must be accompanied by current inoculation records.
If you own an exotic pet, your vet can help you verify if you need a permit to enter the destination state with your pet and assist you in applying for one.
Animals love routine.If you choose to take your animal with you by car, be sure to bring along a few of their favorite toys, treats, and blanket.
Deciding how to move your pet
How should you transport your pet to its new home? By air, ground transport, or in your car? If you are not equipped to provide lots of tender loving care to your pet during a cross-country trip, perhaps it’s better to hire a professional pet mover to take your animal to its new home by truck or air. If you are flying to your new destination, it’s probably preferable and always more cost-effective to just take your pet with you.
However you decide to move your little friend, a sturdy, secure carrier that is spacious enough for your pet to move around in, lie down, and stand up in is paramount. Make sure it has adequate cross-ventilation and a leak-proof base that you can layer with absorbent lining.
Taking your pet on the road
If you decide to take the family pet on the road trip to your new home, you’ll save money and help your animal feel secure amid the changes. Taking your pet on the road can be an enjoyable experience provided you plan accordingly.
Make sure your pet is comfortable traveling by car or take it out on some short “road trips” to get it used to it. If your pet is prone to motion sickness, discuss the situation with your veterinarian who can prescribe medication to reduce or eliminate the symptoms.
Feed your pet and provide it water a few hours before you leave and feed it only once daily, if possible, while on the road. Bring along bottled water to avoid upset stomachs.
If you are traveling with a dog, make periodic stops so you can take it for walks on a leash and provide it with water as needed.
Keep power windows up and locked to prevent the animal from inadvertently lowering the window and jumping or falling out.
Keep your pets cool inside the car, especially when it’s hot outside to keep them comfortable and prevent motion sickness. Small animals, such as gerbils, hamsters, and guinea pigs are sensitive to hot and cold temperatures.
Do not leave your pet unattended in the car unless you are within eyesight and for a brief period. In that case, crack the windows and make sure the air temperature is moderate and there is plenty of water for your pet.
If you plan to stay in hotels for overnight stops, contact lodgings in advance to be certain they are pet-friendly establishments.
Keep a plentiful supply of bottled water, disinfectant, room deodorizer, and paper towels in the car as well as an extra leash. If you are traveling with a dog, extra cleanup bags and a scooper are a must.
Keep your pet’s favorite toys and blanket nearby at all times.
Traveling by air
If you decide to fly your pet to its new destination, federal regulations require using a carrier that has a secure closing mechanism that can be opened in case of emergency. You will not be permitted to lock the carrier during the flight. As soon as you decide to fly with your pet, make sure you check with the airlines about carrier and pet requirements and restrictions. For instance, an exotic animal such as a venomous snake may not be allowed on the plane.
To ensure that your pet is as safe and comfortable as possible during the flight, here are a few more tips:
Most airlines offer reasonably priced approved carriers for sale with at least 48-hour notice. If you decide to purchase an authorized kennel from an airline, you can rest assured that these carriers meet all pet transportation requirements as designated by the US Dept. of Agriculture (USDA) and International Air Transport Association (IATA).
Leave your carrier out at home for a few weeks to give your pet a chance to get familiar with it. Tuck your pet’s favorite toys or blanket in it, to entice him or her into getting comfortable in the carrier.
Make sure your pet is on the same flight you are taking.
If you are taking a small dog or a cat with you, ask the airlines if your pet can travel on board with you rather than in the cargo area and inquire about any related requirements.
Book a direct flight so you do not have to worry about any mishaps that can occur when changing flights.
Have your pet’s nails clipped before the flight to ensure the pet’s safety as well as the safety of any person who may need to handle the pet.
Consult with a trusted veterinarian about whether you should consider giving your pet tranquilizers during the trip.
Carry a photo of your pet with you at all times in case your pet is lost during the trip and fasten two IDs to your pet’s collar: one with the pet’s name, your name, and new address, and another temporary travel ID that lists your pet’s name and your name or a contact’s name, address, and a telephone number where someone can be immediately contacted in case of emergency.
Feed your pet five or six hours before the flight and provide it water up to two hours before takeoff, except in the case of a very hot day.
When should you consider a professional pet mover?
If your pet requires special handling due to illness, or you believe the stress of taking it on a long road trip on route to your new home might be too stressful for the animal, you may wish to consider hiring professional pet movers to transport your pet to its new home. Buses, trains, and traditional movers are not legally permitted to move pets, with the exception of Seeing Eye dogs. You can ask your veterinarian for a referral or look in the yellow pages and ask a business for references.
Moving your pet into your new home
Once you arrive at your new home, designate an empty room for your pet. In it put the open carrier, its food, water, toys, and blanket. Visit your pet periodically and remain calm in its presence. Also, let it get used to the back yard if you have one. Keeping your pet away from the hustle and bustle of moving-in day as much as possible will help it feel more secure while it’s getting used to its new surroundings. Once everything settles down, you can open the door to your pet’s room and it will join the rest of the family when it is ready. The sooner you can re-establish its set routines in the new house, the better. Before you know it, your pet will feel right at home in the new house.
http://www.homesadvisory.com/moving-guide-how-to-move-with-pets.html
Pre-move pet planning
Contact the State Veterinarian’s Office or the State Department of Agriculture to request the pet laws and regulations of your destination state.
Contact the local office of the City Clerk to request information on pet ordinances. There may be “leash laws,” license requirements, and household pet limitations. Manying zoning laws prohibit certain “pets,” such as pigs, goats, venomous snakes, or monkeys in apartments, condominiums, and residential communities.
Check your apartment lease or condominium complex rules to make sure you are in compliance with the community’s pet regulations and rules, i.e., some condos allow one dog weighing less than 20 lbs. per household.
Request your pet’s health records from your veterinarian so you will have them on hand when you register with your new vet.
Take a current photo of your pet with you at the time of the move in the unfortunate event your pet is lost.
However you are traveling put a collar with ID tag on your pet that in the very least includes the pet’s name, your name, and your new address.Your best bet is to get tags and advice from your vet who can help you include a rabies tag on the collar if needed as most states require this. You can also seek assistance from a state animal control agency.
Ask your veterinarian if a Health Certificate is required for your pet in your destination state. If so, this certificate can only be issued by a licensed veterinarian and must be accompanied by current inoculation records.
If you own an exotic pet, your vet can help you verify if you need a permit to enter the destination state with your pet and assist you in applying for one.
Animals love routine.If you choose to take your animal with you by car, be sure to bring along a few of their favorite toys, treats, and blanket.
Deciding how to move your pet
How should you transport your pet to its new home? By air, ground transport, or in your car? If you are not equipped to provide lots of tender loving care to your pet during a cross-country trip, perhaps it’s better to hire a professional pet mover to take your animal to its new home by truck or air. If you are flying to your new destination, it’s probably preferable and always more cost-effective to just take your pet with you.
However you decide to move your little friend, a sturdy, secure carrier that is spacious enough for your pet to move around in, lie down, and stand up in is paramount. Make sure it has adequate cross-ventilation and a leak-proof base that you can layer with absorbent lining.
Taking your pet on the road
If you decide to take the family pet on the road trip to your new home, you’ll save money and help your animal feel secure amid the changes. Taking your pet on the road can be an enjoyable experience provided you plan accordingly.
Make sure your pet is comfortable traveling by car or take it out on some short “road trips” to get it used to it. If your pet is prone to motion sickness, discuss the situation with your veterinarian who can prescribe medication to reduce or eliminate the symptoms.
Feed your pet and provide it water a few hours before you leave and feed it only once daily, if possible, while on the road. Bring along bottled water to avoid upset stomachs.
If you are traveling with a dog, make periodic stops so you can take it for walks on a leash and provide it with water as needed.
Keep power windows up and locked to prevent the animal from inadvertently lowering the window and jumping or falling out.
Keep your pets cool inside the car, especially when it’s hot outside to keep them comfortable and prevent motion sickness. Small animals, such as gerbils, hamsters, and guinea pigs are sensitive to hot and cold temperatures.
Do not leave your pet unattended in the car unless you are within eyesight and for a brief period. In that case, crack the windows and make sure the air temperature is moderate and there is plenty of water for your pet.
If you plan to stay in hotels for overnight stops, contact lodgings in advance to be certain they are pet-friendly establishments.
Keep a plentiful supply of bottled water, disinfectant, room deodorizer, and paper towels in the car as well as an extra leash. If you are traveling with a dog, extra cleanup bags and a scooper are a must.
Keep your pet’s favorite toys and blanket nearby at all times.
Traveling by air
If you decide to fly your pet to its new destination, federal regulations require using a carrier that has a secure closing mechanism that can be opened in case of emergency. You will not be permitted to lock the carrier during the flight. As soon as you decide to fly with your pet, make sure you check with the airlines about carrier and pet requirements and restrictions. For instance, an exotic animal such as a venomous snake may not be allowed on the plane.
To ensure that your pet is as safe and comfortable as possible during the flight, here are a few more tips:
Most airlines offer reasonably priced approved carriers for sale with at least 48-hour notice. If you decide to purchase an authorized kennel from an airline, you can rest assured that these carriers meet all pet transportation requirements as designated by the US Dept. of Agriculture (USDA) and International Air Transport Association (IATA).
Leave your carrier out at home for a few weeks to give your pet a chance to get familiar with it. Tuck your pet’s favorite toys or blanket in it, to entice him or her into getting comfortable in the carrier.
Make sure your pet is on the same flight you are taking.
If you are taking a small dog or a cat with you, ask the airlines if your pet can travel on board with you rather than in the cargo area and inquire about any related requirements.
Book a direct flight so you do not have to worry about any mishaps that can occur when changing flights.
Have your pet’s nails clipped before the flight to ensure the pet’s safety as well as the safety of any person who may need to handle the pet.
Consult with a trusted veterinarian about whether you should consider giving your pet tranquilizers during the trip.
Carry a photo of your pet with you at all times in case your pet is lost during the trip and fasten two IDs to your pet’s collar: one with the pet’s name, your name, and new address, and another temporary travel ID that lists your pet’s name and your name or a contact’s name, address, and a telephone number where someone can be immediately contacted in case of emergency.
Feed your pet five or six hours before the flight and provide it water up to two hours before takeoff, except in the case of a very hot day.
When should you consider a professional pet mover?
If your pet requires special handling due to illness, or you believe the stress of taking it on a long road trip on route to your new home might be too stressful for the animal, you may wish to consider hiring professional pet movers to transport your pet to its new home. Buses, trains, and traditional movers are not legally permitted to move pets, with the exception of Seeing Eye dogs. You can ask your veterinarian for a referral or look in the yellow pages and ask a business for references.
Moving your pet into your new home
Once you arrive at your new home, designate an empty room for your pet. In it put the open carrier, its food, water, toys, and blanket. Visit your pet periodically and remain calm in its presence. Also, let it get used to the back yard if you have one. Keeping your pet away from the hustle and bustle of moving-in day as much as possible will help it feel more secure while it’s getting used to its new surroundings. Once everything settles down, you can open the door to your pet’s room and it will join the rest of the family when it is ready. The sooner you can re-establish its set routines in the new house, the better. Before you know it, your pet will feel right at home in the new house.
http://www.homesadvisory.com/moving-guide-how-to-move-with-pets.html
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