If youre thinking about moving, there are a lot of factors to consider aside from the house itself.Homeowners associations are one example. Living in a community with a homeowners association can have its benefits but also its downsides.Its important to be well-aware of the implications of living in a community with a homeowners association befo...
Full Story >The world may be on pandemic pause but real estate professionals continue to work hard whether they are in a hot real estate market or a very troubled one.After a careerand, for many, a lifetimeof serving others, its going to take more than a pandemic to keep real estate professionals from finding a way to help home-buying prospects and clients ...
Full Story >One of the more important functions a mortgage lender performs is determining affordability. Primarily, this is accomplished by comparing monthly credit obligations with gross monthly income. Dividing debt by income results in a percentage, or a ratio. Debt ratios fall into two basic categories, a housing ratio and a total debt ratio. The housin...
Full Story >The costs associated with buying or selling a home can add up quickly. Many buyers and sellers opt not to retain an attorney to save the several hundred dollars it costs to have one review the contract, deed and title, respond to inspection issues, and make sure the contract is performed according to its terms.But the cost of an attorney is one ...
Full Story >A natural disaster can happen anywhere, at any time. Whether you live in earthquake country, tornado alley, or in a hurricane zone, there are important steps you can take.Get an inspectionIts a given when buying a house, but you can schedule one in your current home, too. An inspection can turn up items that need fixing or replacing, which can s...
Full Story >2020 hasnt been the best year for property sales. The market has experienced its biggest decline in almost a decade, slashing agents earnings dramatically. For many, this has led to cash flow issues as income has dropped or dried up altogether.nbsp;The role that commission plays in the real estate industry means that you need to prepare for unex...
Full Story >March ushered in a new way of life for many people due to the coronavirus pandemic. One of the first things that happened in many states was workers were asked to telecommute from home whenever possible.Now, even though shutdowns are technically over in many places, it seems to be a trend thats sticking around.A lot of companies arent calling em...
Full Story >Winter is the time of year that a homeowner association board should be soliciting and reviewing proposals for fair weather renovation projects like painting, fencing, pool replastering, asphalt sealing and roofing. There are several practical reasons for starting the process early:Contractors are more available. Winter is a slow time for many c...
Full Story >When youre trying to sell a home, whether youre an owner, or youre a Realtor, the imagery you convey is one of the most important aspects of marketing. People are inherently visual, and if your photos online arent high-quality and visually appealing, youre not likely to garner interest in your property.Even if youre a photographer who wants to b...
Full Story >Installing roof solar panels has become an increasingly popular option among homeowners in the United States. Solar panels will convert sunlight into energy, and then you can use that energy to power your home.While the cost of solar panels has gone down over the years, and increasingly people are installing them, its still a significant investm...
Full Story >Homeowners are looking for ways to keep fit and keep their kids busy this winter, so its not surprising that thoughts are already turning to the backyard hockey rink.The nice thing is that there are options regardless of budget, from the handyman lumber frame rink, to easy-to-assemble kits, to full-blown NHL-size rinks and synthetic ice rinks.Tw...
Full Story >An AKA, or Also Known As letter is one where the individual confirms a name variation has been used in the past. Lenders need to know exactly who theyre providing a loan for and during the course of receiving a loan application and reviewing a credit report, there can be more than one name listed on the report. How is that so? Its really very si...
Full Story >When youre selling your home, you need every advantage you can get. And there are few homes that are magically market ready without a little help. If your home needs a touch more than a little help, its time to get focused. After all, listing your home when its not in the right condition to sell will probably only end in frustration. And, in thi...
Full Story >Fixing up your house can bring great joy, and also personal satisfaction when you pitch in and DIY some of the tasks. But proper preparation is key to getting things done right. Take a short cut and youll likely end up with a project that that takes longer, costs more, looks like it was DIYd and hurts more than your bank balance along the way.Me...
Full Story >During a phone conversation with a mortgage loan officer for the first time, invariably the question of fees comes up. Yes, rates are at the top of the curious list but so too are lender fees. In addition to the interest rate, lenders can charge loan fees to help offset the cost of origination, processing and other items. But lets take a closer ...
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