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9 Fix-It

9 Fix-It

If it’s been 10 years from when you purchased your home, here are 9 fix-it projects you need to seriously consider: -Get new carpet, particularly if you are selling the home. Chances are your current carpet is showing its age, what with wear and stains and perhaps...
Good Time To Buy

Good Time To Buy

When is a good time to buy can be the question that is keeping you back. The memory of the Great Recession is still quite fresh in the minds of many. With interest rates fluctuating, a buyer can’t help but think that perhaps prices will drop significantly in the...
Refinancing

Refinancing

When should you think of refinancing your home? Many home owners want a new lower interest rate as this could lead to substantial savings. In order to get savings on your new loan, you’ll need to refinance under favorable conditions. Here are tips on refinancing a...
Creative Financing

Creative Financing

When you’re buying a home, creative financing can make all  the difference in closing the deal. There are many paths other than the standard 20% down. Let’s look at some of them. FHA-insured loans These loans are available from most lenders and only...
Seller Financing

Seller Financing

Homes offering seller financing comprise a small percentage of the real estate market. Many of the homes offering seller financing are doing so to help buyers who have yet to secure traditional bank loans and are looking for an alternative means to finance their home...
Benefits of an HOA

Benefits of an HOA

The benefits of an HOA (Home Owners’ Association) are several. Let’s all agree now that the apparent downside is an additional monthly expense. However, you will have these benefits in return. Rules to live by HOA’s have CC&Rs (Covenants,...
Sale Contingency

Sale Contingency

A homeowner looking to buy a new home while still in the middle of selling their current home should seriously consider a home sale contingency. This practice allows the homeowner a degree of protection as the purchase of the new home becomes dependent on the sale of...
Insurance

Insurance

When buying a home, you might wonder why are you getting charged for insurance twice. And is it even necessary?! The answer is yes. Here are the Whys: Coverage vs form While you may already know that you can get a policy with additional coverage (think comprehensive...
Home Inspection

Home Inspection

A home inspection is an optional part of the home buying process. That doesn’t mean it’s any less important. Home inspections provide an added peace of mind for buyers. They make sure buyers are indeed getting their money’s worth. It’s also cost-effective. The sooner...
Fixed Or Adjustable

Fixed Or Adjustable

Fixed or adjustable rate mortgage? This is the question. The answer is no longer as clear cut as it was just a few months ago. How can this be? Let’s take a deep dive. The Past It used to be that you could expect interest rates to be stable and occasionally...