(RE/MAX Blog)- Is the cost of furniture causing to you to debate if a kitchen table is a “want” or a “need”? Don’t worry! There are plenty of options for you to furnish your nest without breaking the bank. Here are some good places to start:

1. Check with Craig
Craigslist.org: the 24-hour garage sale where you never need to worry about parking! Not just for used items, many furniture warehouses use the site to move merchandise. Search by style, like “modern” or “shabby chic,” or by brand, such as “IKEA” or “Pottery Barn.” Don’t forget to compare prices on the original sale site to make sure you’re getting a good deal.

2. Give fleas a chance
If you’re patient (and lucky) you can find all sorts of treasures at flea market. Many feature vendors who focus on refurbished pieces, providing a unique way to go green.

3. Antique stores
Just because an item is an antique doesn’t mean it’s not functional. Many stores pride themselves on refurbishing old appliances and vintage pieces for everyday use, so you’re not buying a sofa that’s too fancy to actually sit on. You’ll also discover that the term “antique” is used loosely. A vintage looking chair from 2005 may be hidden among furniture from the 1970s.

4. Estate sales
You can score amazing deals when an owner needs to clear out an entire house. Arrive early and don’t hesitate to haggle.

5. Help clear the floor
Have a favorite furniture or home décor store that’s a bit over your budget? Ask if they ever sell floor models for a reduced price.

6. Online options
Wayfair.com and Overstock.com offer free shipping on purchases over $50. Both have a wide assortment of styles and price ranges on everything from headboards for your kid to cushion beds for your dog.

Wherever you shop, try to avoid the temptation to buy poor quality furniture that may end up costing you more in the long run. That sofa on super-closeout-clearance? It may seem like a steal, but if the material wears out quickly and the style isn’t timeless, you may find yourself on the market for another couch sooner than you would like.

You’ve found your dream home. You’ve been pre-approved, the seller has accepted your offer, the inspection went great and your closing date is set. However, remember the deal is not done yet and your lender can change their mind. Here are five things to avoid in order to keep your loan from being turned down.

1. Don’t mess with your income-to-debt ratio

Everything seems to be coming together and you couldn’t be more excited. Therefore, you want to start purchasing big ticket items to decorate the interior of your soon-to-be new home. Bad idea! The ratio of your monthly income to your monthly debts is a main factor the lender considered when qualifying you. And your lender will probably run your finances a few more times before closing. Therefore, don’t take out a loan, sign any car leases or make any big purchases. This could result in you losing the loan for your new home.

2. Don’t disappear

Keep in touch with your lender and be available to answer any last-minute concerns.

3. Keep your loan officer informed

Don’t make a large deposit or open a new bank account without checking with your loan officer first. A large deposit can lead to a lot of questions, such as where the money came from. Inform your Loan Officer of any financial changes, such as money transfers.

4. Don’t change jobs, become self-employed or quit your job

Most lenders prefer home buyers to have a two-year job history. Making a big career move can slow the home buying process down or even result in you losing the deal.

5. Don’t open a new credit card, use credit cards excessively or let your accounts fall behind

Engaging in behavior that could negatively impact your credit score could slow down the home buying process or result in you losing the loan.

If you would like to learn more about the home buying process, contact one of our experience agents here.