Mortgage rates are at historic lows and there is no better time to buy a home. Do you qualify for those low advertised rates? Will you be able to secure a mortgage? Studies show that 6 in 10 people do qualify for mortgage loans. For those that can’t qualify here are ten reasons why a would-be borrower might face rejection:

1. A low credit score will keep you from getting a mortgage. Typically, a score less than 620 is unacceptable by most lender standards.

2. A maxed out credit card threshold will stop a mortgage in its tracks. If your balance more than 30 percent of the allowable credit lenders will take pause.

3. Multiple credit inquiries may drop your credit score. Limit your credit inquiries to mortgage-only credit pulls within a 30-day period.

4. Did you Co-sign a loan with someone? If so, plan to provide 12 months of canceled checks showing they make the payments to the creditor.

5. Other housing liability payments or a consumer loan for a vehicle may prevent your loan approval. Lenders are looking for you to have double the income to offset each dollar of debt you carry.

6. If you are self-employed you may not be showing income under a Schedule C. This reduces your borrowing power.

7. Claiming many unreimbursed business expenses and losses on your taxes may help you pay less taxes but it also can reduce your borrowing power.

8. If you change jobs often this could also hurt your chances at a mortgage. If you occupational status has changed in the past two years it can hurt you.

9. If you are planning on using cash for your purchase think again. All monies must come from some kind of a bank account.

10. Don’t plan on transferring money from different accounts during the loan process. Be prepared to show full bank statements and a chain of deposits etc.

Your mortgage professional should be able to look at your credit, debt, income and assets and make a determination of whether you qualify for a mortgage.

Window treatments do more than offer your home curb appeal, inviting light in or casting shade across your floors. Window treatments narrow or broaden your vision of your neighborhood. You have dozens of window treatment types to choose from. Yet, not every type will highlight the best features in your home.

Drapes and curtains are traditional window treatments and are available in a rainbow of colors and designs. Solid colors, particularly solid neutral colors like brown, beige, sky blue and white, are good because they complement many furniture styles and accessories like floral arrangements, candle centerpieces, tall greenery and weaved baskets.

Blinds – Wood, faux wood, fabric, vinyl and metal are materials that blinds are made with. Additionally, blinds come in horizontal and vertical designs. Mini blinds are more lightweight than traditional blinds. They work well with small windows. Because these blinds are thinner, they are easier to bend or damage. Therefore, it’s recommended that they be installed in rooms that young children and pets don’t frequent.

Shutters – Heavier than blinds and shades, shutters, are available in horizontal and vertical designs. It’s possible to install shutters in windows that cover a room corner. You may need to install three horizontal shutters to cover all of the windows. Hang a decorative ceiling light above the center window for an elegant look and feel.

Shades – Shades come in Roman, bamboo and roller styles. Different lift or raise options are available with shades. Unlike blinds, shades can expose your entire window when they are lifted, allowing more light inside your home. For example, you can install shades that leave the top foot of your windows exposed. Solar shades can help protect your furniture from over exposure to sun rays, keeping fabric colors vibrant.

Cord or cordless – Blinds, shades and shutters come with cords. Should you choose the cord route, make sure that you lock or tie up cords, so that children do not play with them and so that people don’t trip on the cords. You can also select cordless window treatments. Cordless window treatments may be a perfect option for children’s rooms, especially over windows that are near baby cribs.

Custom styles – Organic window treatments are environmentally safe. Other custom styles include window treatments that are cut, sewn and designed specifically for one or more rooms of your home.

Insulated window treatments – Window treatments with added insulation help to lower utility bills. Examples of these window treatments are double or triple layered shutters. Liners can also be added to drapes and curtains for added insulation.

Black window treatments help to keep light out. They can also help to reduce the amount of outside noise that penetrates a room at your house. This option works well if you’re a photographer or an artist who needs to focus and work in a quieter space. Additionally, darker colored drapes and curtains help to keep a house warmer during winter, while lighter drapes can help a house stay cooler when it’s hot outside.

Measure your windows before purchasing any window treatments. Use a tape measure or slide ruler to measure the width and height of your windows. Get measurements for the top, base and middle of each of your windows. Measurements will determine the size rods, drapes, curtains or other window treatment types that you need.

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Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.

Spacious 4 bedrooms & 3 full baths home offers plenty of room for extended family and friends. Master bedroom has private master bath, sitting room with wood floors and private deck. Kitchen opens into dining area with slider out to another deck. Living room offers nice space. Split floor plan and 1st floor laundry and finished lower level with walkout and another full bathroom. Plus attached garage on a corner lot. Great area and steps to Lake Wequaquet and short ride to Cape Cod Sandy Ocean Beaches. Priced well below assessment of $356K.NOTE: This is a handyman’s dream to live in to update and build some sweat equity. Septic updated in 2009 for 4 bedroom and assessor has it listed a 3 bedroom. This information is not warranted or guaranteed and should be independently verified if any person intends to engage in a transaction based upon it.

This is a Ranch style home and features 9 total rooms, 3 full baths, 4 bedrooms, 0.29 Acres, and is currently available for $279,000.

For complete details click here.