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Moving & Relocation Blog

The SIRVA Home Benefits Moving & Relocation Blog is a valuable resource that will provide great insight on the latest and greatest information related to each aspect of the moving process.  At SIRVA we perform thousands of relocations each year and our goal is to pass on important information from our experts to you. From selling your home to buying a new home to the saving time and money in the moving process, explore our blog to make your next move your best move! 
 
 
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Re-Introducing Home Benefits from SIRVA Relocation

04/30/2019

The guesswork associated with finding the right real estate agent or deciding which home loan makes sense for your personal financial situation can be an involved process. Thats where our SIRVA Home Benefits program comes in.

How to Sell Your Home on a Budget

03/29/2019

Here are some cheap and easy tips for how you can spruce up your home and get top dollar at the closing table.

How Can I Use Gift Funds for My Down Payment?

03/08/2019

Whether your mom has a secret mattress stash of money shes been saving for your first home, or if you made a special request to your wedding guests to forego the toasters and instead give money toward your new love nest, gift funds can be a big help when it comes to buying a home.

Why Do Smart Homebuyers Shop in Winter?

02/15/2019

The chill is still in the air and snow may be on the ground; however, the smartest homebuyers know that winter is a hot time to search for a new home.

What Questions Should I Ask a Mortgage Lender?

01/25/2019

Before you choose a mortgage company, its important to ask the right questions. By asking these simple questions, youll be able to vet out the good from the bad and find a company that is right for you.

How to Make the Transition from Renting to Buying

10/25/2018

Whatever your reasons may be if youre considering making the leap from renting to buying, here are a few tools that might be able to ease your mind and help you make an informed decision.

FAQs: What documents do I need to apply for a mortgage?

09/07/2018

Gathering mortgage documents will be easy for type A personalities. But dont worry if you are not Mr. or Miss Organization, most of the documents you need to apply for a mortgage are easy to obtain or readily available in your filing cabinet. Heres the run-down of the basic documents that youll need to gather:

Fun & Creative Housewarming Party Ideas

08/10/2018

After you move into your new home, youll want to show it off a little. A house warming party is the perfect way to do that. Rememberbefore you invite people over, it doesnt have to be perfect.

How Etsy Can Help You Decorate Your New Home for Less

07/27/2018

If youve just moved into a new home or are dreaming about it it might be time to re-think your artwork. Typically artwork can be extremely pricey if you want a one-of-a-kind piece or something custom designed for your home. But, now Etsy.com has broken down those cost barriers and has made it extremely easy to work directly with local and nationally acclaimed artists.

Common Mistakes Made When Selling A Home

07/20/2018

If youre about to go down the road of selling your home, youve probably heard that its not for the faint of heart. Especially in a buyers market or during the winter months patience, creativity and persistence will be essential tools youll need in order to find the right buyer.

Best House Hunting Checklists

07/10/2018

When buying a home its important to look at all aspects of the home to make sure its in tip-top shape. If youre buying an older home, youll probably notice more things that need to be updated. Either way, keeping a running checklist of things that need to be fixed will be a good way start to your negotiations with the seller.

Homeowner Choices: DIY or Hire a Professional?

07/03/2018

When moving, upgrading, downsizing or remodeling theres one question youre probably asking yourselfcan I do this myself or should I hire a professional? Get the answer in our latest blog!

First-Time Homebuyers Biggest Regrets

06/12/2018

Its important to learn from our mistakes but its even better when you can avoid a mistake all together by learning from someone elses mistakes. Before you take the plunge and make one of the biggest purchases of your life check out these top things that first-time homebuyers regret about their decision. You might find some surprising.

Inspirational Stories: How to Pay Off Your Home

06/05/2018

Read an inspirational story on how to pay off your home and reach your financial goals.

Tips for Buying & Selling at the Same Time

05/29/2018

Juggling between buying and selling a home can get tricky at times. If you need the funds from your home sale to purchase your next house, the timing of your home sale can be critical to meeting deadlines. Here are some creative ways to get to your final destination unscathed.

Reasons to Use A Real Estate Agent

05/22/2018

If youre extra budget conscious, you might be thinking about selling your home on your own. Before you make a final decision on whether you will use a real estate agent or not you should consider a few things first.

Biggest Garage Sale Mistakes

05/15/2018

Its that time of year again; time to think about spring cleaning. If you have enough to get rid of, you might be considering a garage sale. Before you jump in headfirst, be smart and learn from others past mistakes.

Appriasal Myths Debunked

05/01/2018

The appraisal process can be frustrating. It never seems like your home is valued where you think it should be valued. Its hard (as a seller) not to feel like the whole thing is rigged by the buyer. So, in order to get an objective opinion weve found some good information from The Appraisal Foundation that will set the record straight once and for all and will hopefully make your upcoming appraisal more enjoyable (if an appraisal can be enjoyable).

How Credit Checks Affect Buying a Home

04/25/2018

You probably know that your credit score is something that all mortgage companies will look at when you apply for a loan. But, how does your credit score and credit checking actually affect buying a home? Here are a few of the basic things to know before you apply for a mortgage.

How Millennials Buyers are Different Than Baby Boomers

04/18/2018

When selling your home, its important to think about your prospective buyers and how you should market differently to each group. Even if you think your home would be better suited for a baby boomer or retiree, you might be surprised to find out your home could be attractive to a single Millennial. Heres how your Millennial marketing plan might need to be updated.

How to Create a Beautiful Outdoor Space

04/10/2018

During the spring and summer months, you probably plan to spend a lot of time outside. As you move your nighttime hours to the deck, patio or screened in porch, you might be getting motivated to spruce it up a bit. Here are some ways to make something beautiful out of the ordinary.

Small Budget Cuts for Big Savings

04/03/2018

Trying to save for a home? Here are some money saving tips to help you save!

Big Red Flags When Buying A Home

03/28/2018

If youre thinking about relocating your family to a new home, you are probably feeling a mix of emotions. Moving can be an exciting time to start fresh, but it can also come with its share of worries and stresses. One of the biggest worries is that you might move into a home and realize that there are big, costly problems with the home (that your inspector didnt catch).

How to Start the Home Buying Process

03/20/2018

Congratulations are in order if youre about to embark on the exciting adventure of home ownership! If youre trying to figure out where to start, let us help! There are a few things you can do to get yourself organized before you even think about talking to a mortgage counselor or a real estate agent.

Home Ownership 101: Annual Home Maintenance Calendar

03/13/2018

What if you could avoid some of these big issues by staying on top of your home maintenance would you do it? Of course you would. So, grab your calendar and a pen and write down reminders for yourself.

How to Take a Cool Listing Photo

03/06/2018

If youre thinking about going the For Sale by Owner (FSBO) route or youre trying to prep your home for professional pictures either way, youll need a few photography tips in order to show your home in the best light (literally).

Are You Ready to Show Your Home?

03/01/2018

You might feel like youre mentally ready to sell your home, but is your home ready? Look at this quick checklist of things that you shouldnt forget before you let potential buyers check out your house.

3 Easy Ways to Save For a Down Payment

02/22/2018

Getting ready to dive into the world of home ownership? Then youre probably looking closely at your budget and bank account. One of the best ways to save money, when buying a home is to stash away as much money down as possible, so that you can avoid PMI and reduce your loan amount.

Top Benefits of Buying a Home

02/16/2018

If youre going back and forth in your mind on buying a home, here are a few things to consider when weighing the pros and cons. Thank you to National Association of Realtors (NAR) for providing us with these graphics and data.

The Difference Between a Loan Rate & APR

02/08/2018

Buying a home can seem mysterious. Theres a whole new lexicon of words that you need to learn in order to make sure youre making the best decision. Heres one that people often dont understand clearly the difference between APR and loan rate.

Are You Ready to Show Your Home? Heres a Checklist

02/01/2018

You might feel like youre mentally ready to sell your home, but is your home ready? Look at this quick checklist of things that you shouldnt forget before you let potential buyers check out your house.

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As a first time homebuyer, SIRVA made everything easy to understand and stayed in constant communication with us to make our home purchase quick and painless. I would definitely recommend them to anyone looking to buy a home.
- Christina
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Sirva Home Benefits
6200 Oak Tree Blvd., Suite 300
Independence, OH 44131

TEL: 800-579-2970

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Sirva Home Benefits is a tradename used for marketing and is not licensed to conduct business in New York. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York can be facilitated through this site.
 
1 Sirva Home Benefits is a brand name of Sirva Worldwide used to offer a suite of products for homebuying purposes. Mortgage lender (Sirva Mortgage, Inc.2), Sirva entity making real estate referral (Sirva Relocation LLC3), and van lines providing moving services (Allied Van Lines, Inc. and North American Van Lines, Inc.4)  are affiliated entities. You are not required to use all programs in order to receive the benefits but the offer for the mortgage closing cost credit of up to $500 only applies when using a Sirva program identified lender, the cash back offer only applies when using a Sirva referred real estate broker, and any discounts on moving services are only applied when using an affiliated van line. Sirva's Affiliated Business Disclosure (including affiliations and information on estimated charge or range of charged) can be found here. Each program benefit is offered separately. Program benefits are only available through program participants but you are not required to use all programs to receive each separate benefit.
 
Sirva endeavors to refer real estate brokers and agents, household goods providers and other service providers that provide quality services and products. However, Sirva and its respective associates, agents, representatives and clients cannot make any representations or warranties as to the fitness and applicability of the referred brokers and agents, household goods providers and other service providers and their service for your particular situation and purpose. Sirva does not provide a warranty with respect to your particular engagement, relationship and experience with the party referred brokers and agents or their services. You must evaluate the brokers, agents household goods providers and other service providers and their services and make selections and decisions based upon your own best judgment, interest, priorities, and concerns. Sirva is not providing advice with respect to any selection or decision you may make.  
 
To provide you with better service, Sirva may collect certain anonymous information on how you use our website(s). To view our Privacy Policy, click here. To view our Cookie Policy, click here.  
 
2 This not an offer of credit. This is not an offer to enter into an interest rate lock-in agreement nor is this notice of loan approval. Mortgage approvals are rendered based on individual credit qualifications. Sirva Mortgage is engaged in the business of originating residential mortgage loans. We are licensed or authorized to conduct mortgage loan origination in all 50 states plus the District of Columbia. Sirva Mortgage is not a depository institution and does not act or represent itself as a full-service bank. Reference to the term “mortgage banker” is a common, accepted industry term referring to companies engaged only in the business of making mortgage loans. Various state laws and regulations and our license type(s) in various states refer to us as a mortgage lender, mortgage banker or mortgage broker. For our Privacy Policy and Affiliated business relationships disclosures please visit https://mortgage.sirva.com/about/about-sirva-mortgage. Please see the complete required license disclosure below. Call 800-531-3837 for more information.

For those looking to refinance – even if your refinanced rate or APR is lower, by refinancing your existing loan, your total finance charges may be higher over the life of the refinanced loan.

Sirva Mortgage, Inc. NMLS ID #2240, for licensing information, go to: www.nmlsconsumeraccess.org. Main Office Address is 6000 Lombardo Center, Suite 500, Seven Hills, OH 44131; Telephone: 1-800-531-3837. We are licensed by/as (among others): Arizona Licensed Mortgage Banker, License #0901430; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4130944; Georgia Residential Mortgage Licensee #6221; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company, License #MC.0025314; Massachusetts Mortgage Lender, License #ML2240; Nevada Licensed Mortgage Banker, License #1043; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker – NYS Banking Department; Oregon Consumer Finance Act license #ML-186; Rhode Island Licensed Lender; Texas Mortgage Banker Registration #2240; WA Consumer Loan Company License #CL-2240.

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

Licensed Mortgage Loan Originators’ NMLS IDs are available upon request for licensing information, go to: www.nmlsconsumeraccess.org.
 
3 Sirva Relocation LLC is a licensed real estate broker. Sirva Relocation LLC is making the referral as a licensed real estate broker and will refer you to a licensed real estate broker in the selected area that will provide you the real estate services.
 
Real Estate referrals are made by Sirva Relocation LLC an affiliated business of Sirva Worldwide and a licensed real estate broker. $500 cash back for every $100,000 only available when using a Sirva referred real estate agent, the purchase and/or sale price is above $75,000. Program reward amount is based upon at least 6% real estate commission and the participating broker receiving at least one half of commission. If the commission amount or the split is reduced the program reward will be reduced proportionately. To receive the award, customers must close their real estate transaction with a SIRVA-referred real estate agent. Due to state regulations, the award program is not allowed in AK, AL, IA, KS, LA, MO, MS, ND, OK, OR, TN.  Cash back available in NJ on purchases only. Additionally, if you choose to sell your home with a Sirva-referred broker in these states, the benefit will be provided in the form of a reduced real estate commission. If you are purchasing a home and use a SIRVA-referred broker in these states, and also choose to work with an approved lender for your financing, the approved lender will issue you a credit toward closing costs; in addition to any other closing cost credit provided by your loan program. You may use any lender you choose for your financing, but closing cost credits cannot be issued without utilizing an approved lender. None of these programs are valid for corporate-sponsored relocations or ineligible property types. You should always consult your tax advisor about the tax implications of receiving cash back.
 
Properties eligible for the Real Estate Cash Back Program must meet the following criteria: (a) located in the U.S.; (b) a completed primary, single-family residence, townhouse, two-family duplex, or condominium unit, in each case owned and occupied by Employee (or in the case of a two-family duplex, where the entire property is owned by Employee and one unit of which occupied by Employee).
 
Programs can be cancelled or modified at any time without notice. Please go to http://www.sirvahomebenefits.com or call 800-579-2970 to learn more and see how you can get your cash back benefits. You may also contact us at 6200 Oak Tree Blvd., Ste 300, Independence, OH 44131.
 
In the state of New Jersey a purchaser is obligated to pay any applicable taxes for receipt of the real estate cash back rebate and the purchaser should contact a tax professional concerning any possible tax implications of receiving the rebate. 
 
4 Sirva Moving Services – Moving discount applied to interstate moves. For moving benefit details go to http://www.sirvahomebenefits.com. Local and instate move discounts may vary. This offer applies to household moves between the 48 contiguous states. The interstate moving discount is based on rates in published tariff HGB 400-N (or reissues thereof) in effect on the date of the shipment loads. North American Van Lines MC #107012 U.S. DOT No.070851. Texas intrastate moves are hauled under the authority of North American Van Lines of Texas, LLC TxDMV No 0000009188; Texas DMV Phone No. 1-888-368-4689; Allied Van Lines, Inc. MC #15735 U.S. DOT No.076235. Texas intrastate moves are hauled under the authority of Allied Van Lines, Inc., TxDMV No 0000007143; Texas DMV Phone No. 1-888-368-4689. Programs can be cancelled or modified at any time without notice. Please visit http://sirvahomebenefits.com for additional terms and conditions, including the use of third party services.
 
5  Average customer savings calculation for all relocation benefits is based on a $250,000 home value when using a SIRVA referred agent to buy and/or sell a home. $3,400 total cash back and savings consist of a cash back reward of $2,500 for real estate program (buy & sell), plus $500 mortgage closing cost credit (credit provided only through program lender) and $400 savings on interstate move with our affiliate van line. A combined savings of $3,400. Certain state restrictions apply to the real estate cash back program. Call 866-631-2261 for details and disclosures. Terms and conditions apply. Cash back rewards are available separately on the buy and sell transactions. Offer not available to those with a full service, company paid relocation package.
 
6 If we don’t close on your loan with Sirva Mortgage the date stated in the purchase contract, due solely to Sirva Mortgage’s delay when given at least 21 days from lock to close, we will pay you $1,000. Delay penalty does not apply to refinances. 
 
7 Savings calculation based on an average our clients saving more than $45 per month & $23 a month on mortgage insurance on their mortgage payments multiplied by 12 months on a 30 year mortgage. Payment average compared to national average rates published by FHLMC, found at www.freddiemac.com/pmms from 1/1/2015-12/31/2015 with loan amount of $315,142. For a 30 year fixed rate the national average interest rate was 3.84% with a principal and interest payment of $1,475 compared to the SIRVA Mortgage average interest rate of 3.59% with a principal and interest payment of $1,431. Mortgage insurance savings as measured by United Guaranty for the period 1/1-12/31/2015.
 
8 Sirva Mortgage earned the highest average score from relocating employees among national competitors in the 26th Nationwide Relocating Employee Survey for 2020 by Trippel Survey & Research, LLC©.
 
Important terms and conditions apply to the closing cost credit. Closing cost credit will not exceed borrower’s closing costs, up to $500. Please go to http://www.sirvahomebenefits.com to learn more and see how you can receive a closing cost credit.  
 
Real Estate referrals are made by Sirva Relocation LLC an affiliated business of Sirva Mortgage, Inc. and a licensed real estate broker. Sirva Mortgage, Inc. may receive a financial or other benefit as a result of the affiliated relationship with Sirva Relocation LLC. Important disclosures apply to the use of affiliated companies. You are not required to use Sirva Mortgage to receive the cash back benefits. You are not required to use the cash back benefit to apply for or obtain a loan from Sirva Mortgage. Sirva’s Affiliated Business Disclosure including rates for the services you may select is found at https://www.sirvahomebenefits.com/affiliatedbusinessarrangements or call for a copy. Please visit http://sirvahomebenefits.com for additional terms and conditions, including the use of third party services.
 
On the special offers page Star Box, Penske and Apartments.com are independent companies not affiliated with Sirva or the Sirva Home Benefits program except for this referral. Sirva endeavors to refer service providers that provide quality services and products. However, the Sirva Home Benefits program cannot make any representations or warranties as to the fitness and applicability of the referred service providers and their service for your particular situation and purpose. Sirva does not provide a warranty with respect to your particular engagement, relationship and experience with any referred service provider or the services or the suppliers. You must evaluate the service providers and their services and make selections and decisions based upon your own best judgment, interest, priorities, and concerns. Sirva is not providing advice with respect to any selection or decision you may make 

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