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If you actually wanted to get to your destination, would you put the cart before the horse? We dare say that you would answer no.

This is why it is amazing that many potential home buyers put the cart before the horse and go out to search for homes without going to a financial institution first to find out what mortgage amount they could qualify to receive.  We share the following 3 main reasons why prospective buyers should visit their lender before searching for homes.

Be ready to compete

Most times a buyer finds a great deal on a home, there are many other buyers who have also found it.  A buyer who has been to their lender, brought in all the requisite information and has been advised of the mortgage amount they would qualify for is in a position of strength.  This buyer knows for sure how much they should offer in negotiations with a seller and is able to offer a shorter time to complete the purchase because they have already begun the loan application process.

Do not short-change or disappoint yourself

A buyer who guesses how much house he can afford could easily be placed at a disadvantage. If a buyer thinks he can afford less, he could waste time looking at lower quality homes although he may be able to afford more.  However, if a buyer can afford more than he thinks, he could be setting themselves up for great disappointment if he falls in love with a home that he eventually finds out he cannot afford.

It is practical.

It is just sensible for a buyer to first begin the loan application process and find out how much a

lender is able to provide to him as a mortgage loan then go out to view properties at an appropriate price.  This will save the buyer, seller and real estate agent the time and inconvenience caused from discussing and visiting homes that the buyer cannot afford.

It is the Christmas season; a season many of us look forward to every year. It is the time when we spend more time with our loved ones, reflect on the year’s activities and look towards the New Year. For the Millenia Group of Companies, this past year has been very challenging with many changes, and opportunities.

Two of the most significant achievements for the Millenia Group in 2019 include: arriving at an agreement with the Office of the NAO Dominica for design and construction of 2 regional emergency shelters. The second achievement is that we have begun the process of renewal as we innovate and adapt to the changes faced in the industry and develop plans for the future that build on our strengths.

During this season, it always brings about a time for pause and reflection, so I write this Christmas message expressing my appreciation to those of you who have supported our group either directly as clients or through referrals or merely considering us through your development goals. Behind the scenes, thank you to our dedicated staff who have supported with your talents and time — designing, supervising, preparing and reviewing, and sharing your positive energy where needed. I am always humbled by your drive to make our organization better. The words “thank you” do not begin to express my gratitude.

To those of you whose expectations we did not meet this past year, we trust that 2020 will be our year to serve you with the greatest pleasure and satisfaction.

To all of you— have a wonderful season and may the peace & joy that this season brings be yours today and always.

Warm Regards,

Alistair Grell.
Executive Director

Written by Garn Todd Joseph

Website & Advertising Assistant for the Millenia Group of Companies

Millenia Architects | Millenia Realty | Sorell Consulting Ltd. | Kaliber Construction & Homes

Here are six (6) tips to help you create a workspace that is efficient, well-organized and improves productivity.

1. Keeping your office space clutter free helps reduce stress and improves organization and efficiency. One way to ensure that your work station remains free of clutter is by clearing your desk whenever you step out. When you are going out for a break, to do a few errands or you are stepping out for the day, clear out your space.
2. Keep everything in its place.When you have a designated space for everything, items are easier to The familiarity of your workspace also removes distractions making it easier to focus and prioritize your work.
3. Make your desk a combination of inspiration and efficiency. Consider having wall art or client testimonials close by to inspire you and keep you motivated. You can also keep a vision board close by to remind you of your long-term goals and a calendar to keep track of important activities and appointments.
4. Adding a few plants to your office space or working in an area with a view of outside helps to reduce stress and improves Working near windows also increases your access to natural light which has a positive effect on how an individual feels.
5. Ample lighting is important for every type of workspace. This improves your motivation and functionality by creating a productive atmosphere that is conducive for working.
6. The design of your office space should reflect your company’s character. By your design choices you can communicate your brand to customers/visitors. Your choice of decor, furniture, etc. should reflect your business culture and appeal to the type of customers you want to attract.

Whether you work from home or in a formal business setting these tips can be quite useful.

Were the above tips useful?  Share this article with family and friends.  If you need any clarification on this topic, feel free to email us at feedback@millenia.dm.