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9 mortgage terms you should know

It’s like a different language. APR, Fannie Mae, FHA, Freddie Mac, CFPB, PMI, HELOC—you can get lost in the terms of the lending industry. Don’t worry. Your lender can help you understand the ones relevant to your situation. But it’s a good idea to understand some basic terms that apply in many circumstances. Here are nine to get you started. Amortization Paying off principal (see below) over time. You normally pay off the principal in a mortgage loan over the loan’s term through a fixed schedule. Appraisal A written report by a qualified professional t...

December 13th, 2015 | Home Owner Tips, Mortgage Terms, 9 mortgage terms you should know

A great benefit for those who have served their country

The VA home loan program is an incredible benefit for those who have served our country. This flexible financing option offers competitive interest rates and is one of only a few sources of no-downpayment home loans available today. Here’s something else you may not know: It’s designed to protect veterans by making sure the home they are purchasing meets certain standards. The VA does this through an appraisal process. The goal is to ensure that veterans pay a fair price for their home and are purchasing a property that is structurally sound. There are generally two parts t...

December 10th, 2015 | VA Loans, Home Buying Tips, Mortgage Options, A great benefit for those who have served their country

10 improvements that are likely to generate a good return when you sell

Looking to get top dollar for your property? Most sellers stick to cleaning and staging. However, if you think your property needs more than a little TLC, certain remodeling projects can help. Before you install a spa-like master bathroom and chef’s kitchen, take some advice from Remodeling magazine’s “2015 Cost vs Value Report.” This report provides estimated costs for 36 midrange or upscale home-improvement projects, along with the percentage of cost that owners can expect to recoup when they sell. Think small. Large-scale projects typically return th...

December 3rd, 2015 | Home Renovation, Home Values, Home Selling Tips, 10 improvements that are likely to generate a good return when you sell

Clean and organized homes sell faster, and for a higher price

Ready to put your house on the market this spring? Here are a few things you’ll want to do first: Clean, clean and clean some more.  A clean home is more appealing to buyers. And we’re not talking about giving your home a quick cleaning. You’ll want to give your home a deep clean. Scrub the floors, walls, windows and major appliances, like your stove. Home buyers do look in refrigerators, cabinets and closets, so you’ll want to clean those, too. Organize and de-clutter. As part of the cleaning process, you’ll want to organize and de-clutter. Rentin...

June 18th, 2015 | Home Selling Tips, Home Values, Clean and organized homes sell faster, and for a higher price

Get to know one of your home’s best lifesaving devices

Smoke detectors are one of the most overlooked safety features in homes today. Yet proper use and care of smoke detectors can dramatically reduce your and your family’s risk of being injured or dying in a home fire. Here’s what you may not know about these lifesaving devices: You may need more smoke detectors than you have. Experts recommend that you have a smoke detector on every level of your home and outside sleeping areas. Bedrooms with doors that remain closed all the time need their own detectors. Smoke detectors should be installed away from windows, doors and a...

June 13th, 2015 | Home Owner Tips, Get to know one of your home’s best lifesaving devices

The original housewarming party literally warmed the house

The original housewarming party literally warmed the house. Guests to a new home brought stacks of wood as gifts to light fires in every fireplace. This was believed to keep the new home cozy and to ward off evil spirits!

May 31st, 2015 | Home Decorating, The original housewarming party literally warmed the house

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