What not many Realtors or advisors are willing to admit from the very beginning is that when a homeowner is in debt, both the foreclosure and a short sale can have a devastating impact on the credit history. However, choosing the lesser of the two evils is important. Its natural for sellers to be concerned… Read More

If you’re thinking about remodeling your kitchen, or finishing your basement, you probably want to get your investment back when you sell your home. But when it comes to payback value of home improvements, some are definitely more profitable than others. As a general rule, kitchen and bathroom projects usually get a nice return on investment,… Read More

Private Sector Conventional Loans – The only security guarantee is the value of the property. Conforming Loans Conventional loans that follow the terms and conditions established by the guidelines of Fannie Mae and Freddie Mac. Fixed-Rate Mortgage The interest rate and the principal payments remain fixed throughout the loan. Keep in mind your monthly escrow… Read More

When interviewing a home inspector, ask the inspector what type of report format he or she provides. There are many styles of reports used by property inspectors, including the checklist, computer generated reports, and the narrative style. Some reports are delivered on site and some may take as long as 4 – 6 days for… Read More

Saving money by saving energy in your home isn’t as difficult as you think, it just requires a little work! These simple changes will surprise when you see how much you save. Saving year-round: Are all your doors and windows properly sealed with weather stripping and properly caulked? This is the first thing to check!… Read More