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Home Inspection Reports - 06/29/10 10:57 PM
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 using inspection programs, and the narrative style. Some reports are delivered on site and some may take as long as 4 - 6 days for delivery. All reporting systems have pros and cons. The most important issue with an inspection report is the descriptions given for each item or component. A report that indicates the condition as "Good", "Fair" or "Poor" without a detailed explanation is vague and can (0 comments)
Check Out Best Places - 06/27/10 08:49 AM
I thought you might like to check out http://www.bestplaces.net/. This website has proved helpful for many of my buyers. With the tools on this website, you can compare schools, cities, crime rates, climate and even differences in cost of living between communities. This site gives you a good "big picture" overview. (1 comments)
Cream Cheese Pound Cake - 06/23/10 03:21 PM
GRANDMOTHER'S CREAM CHEESE POUND CAKE Here is a receipe handed down to me from my mother. I have made this cake and it is awesome. Not responsible for the calories.....:) 3 cups sugar 3 sticks butter 3 cups plain flour 1 8-ounce package cream cheese 6 eggs 1 teaspoon vanilla dash of lemon flavoring Let butter and cream cheese soften to very soft. Let eggs reach room temperature. Cream sugar, cheese and butter (this can be done by hand with a whisk.) Add 2 eggs and 1 cup of flour at a time, mixing well each time one is added until all (3 comments)
Did You Know? - 06/22/10 04:04 PM
(Just print and stick in your kitchen drawer)1. Budweiser beer conditions the hair 2. Pam cooking spray will dry finger nail polish3. Cool whip will condition your hair in 15 minutes4. Mayonnaise will KILL LICE, it will also condition your hair5. Elmer's Glue - paint on your face, allow it to dry, peel off and see the dead skin and blackheads if any6. Shiny Hair - use brewed Lipton Tea7. Sunburn - empty a large jar of Nestea into your bath water 8. Minor burn - Colgate or Crest toothpaste9. Burn your tongue? Put sugar on it!10. Arthritis? WD-40 Spray and rub in, kill (2 comments)
Fun With Garage Sales - 06/21/10 01:55 PM
Looking for a way to de-clutter the basement/attic and make money at the same time? Why not hold a garage sale? Careful planning and creativity can turn your mountain of junk into a fistful of cash.First, while you don't need a garage to have a garage sale, you do need an easily accessible location. Consider asking friends or relatives if you can hold the sale in their yard if your home is too far off the beaten track. You should also check with your neighborhood or town bylaws to find out if you need a permit to hold a sale and (1 comments)
Is Your Plumbing In Order - 06/19/10 04:17 PM
There are several good reasons to make sure all of your plumbing and fixtures look good and are in good working order before putting your home up for sale. When potential buyers come to look at your home, they are likely to turn on faucets and flush toilets "just to see". This is no time to make a bad impression with grungy old fixtures, leaks or stained sinks. Before showing your home, you should make sure that all faucets and knobs are clean and shiny. If needed, buy new ones. They don't need to be expensive. An inexpensive but shiny and obviously brand new (2 comments)
How To Get An Offer On Your House - 06/17/10 04:19 PM
1. Price it right. Set a price at the lower end of your property's realistic price range.2. Prepare for visitors. Get your house market ready at least two weeks before you begin showing it.3. Be flexible about showings. It's often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner you'll find a buyer. 4. Anticipate the offers. Decide in advance what price and terms you'll find acceptable. 5. Don't refuse to drop the price. If your home has been on the (0 comments)
Home Buyer Checklist - 06/16/10 12:09 PM
The Home Buyer Checklist identifies some of the important factors to consider when choosing a home. In addition to an affordable sales price, you will also want to be sure that the neighborhood and house meet the needs of your family. Take this checklist along when you go shopping for your house. It will help you evaluate the neighborhoods and assess the availability and condition of various features of up to three homes in a side-by-side comparison. (1 comments)
Contingencies In Contracts - 06/15/10 01:13 AM
In real estate contracts the contingency is a common element. Contingencies are clauses in a contract that give either the buyer or seller a way to get out of the contract if certain conditions or timelines aren't met. A commonly used example is that of a buyer making an offer on a new home before selling his existing home. The buyer needs to sell his present home before being able to get financing on the new one. So he makes his offer contingent upon the sale of his existing home. There will always be a time period associated with such a (2 comments)
Questions To Ask Your Lender - 06/11/10 10:06 AM
1. What are the most popular mortgages you offer? Why are they so popular?2. Which type of mortgage plan do you think would be best for me? Why?3. Are your rates, terms, fees, and closing costs negotiable?4. Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required? (NOTE: Private mortgage insurance is usually required if your down payment is less than 20 percent. However, most lenders will let you discontinue PMI when you've acquired a certain amount of equity by paying down the loan.)5. Who will service the loan (1 comments)
Guide For Your Home Search - 06/11/10 05:34 AM
1. Research before you look. Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you'd be willing to spend each month for housing. 2. Be realistic. It's OK to be picky, but don't be unrealistic with your expectations. There's no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property.3. Get your finances in order. Review your credit report and be sure you have enough money to cover your down payment and closing costs. Then, talk to a lender and get prequalified for a (2 comments)
Ways To Afford A Home - 06/10/10 08:59 AM
1. Investigate local, state, and national down payment assistance programs. These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the American Dream Down Payment Fund from the Department of Housing and Urban Development, www.hud.gov.2. Explore seller financing. In some cases, sellers may be willing to finance all or part of the purchase price of the home and let you repay them gradually, just as you would do with a mortgage.3. Consider a shared-appreciation or shared-equity arrangement. Under this arrangement, your family, friends, or even a third-party may buy a (0 comments)
Property Tax Questions You Should Ask - 06/09/10 10:04 AM
1. What is the assessed value of the property? Note that assessed value is generally less than market value. Ask to see a recent copy of the seller's tax bill to help you determine this information. 2. How often are properties reassessed, and when was the last reassessment done? In general, taxes jump most significantly when a property is reassessed. 3. Will the sale of the property trigger a tax increase? The assessed value of the property may increase based on the amount you pay for the property. And in some areas, such as California, taxes may be frozen until resale. (1 comments)
Credit Scores - 06/08/10 11:21 AM
Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score:1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history. 2. How much you owe. If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it's a good thing if you have a good proportion of balances to total credit limits. 3. The length of your credit history. In general, (3 comments)
Lender Check List: What You Need For A Mortgage - 06/07/10 04:05 PM
□ W-2 forms - or business tax return forms if you're self-employed - for the last two or three years for every person signing the loan.□ Copies of at least one pay stub for each person signing the loan.□ Account numbers of all your credit cards and the amounts for any outstanding balances.□ Copies of two to four months of bank or credit union statements for both checking and savings accounts.□ Lender, loan number, and amount owed on other installment loans, such as student loans and car loans. □ Addresses where you've lived for the last five to seven years, with (1 comments)
First Time Homebuyer Mistakes - 06/06/10 03:26 PM
A. They don't ask enough questions of their lender and end up missing out on the best deal.B. They don't act quickly enough to make a decision and someone else buys the house. C. They don't find the right agent who's willing to help them through the homebuying process.D. They don't do enough to make their offer look appealing to a seller. E. They don't think about resale before they buy. The average first-time buyer only stays in a home for four years. (0 comments)
Short Sale Package - 06/05/10 06:38 PM
Make sure your short sale package is thorough.At a minimum, the lender will want to see: The offer to purchase your home, including the buyer's preapproval letter; Your hardship letter; A balance sheet listing your monthly income and expenses; Statements from your checking, savings and other asset accounts; A net sheet from your real estate agent listing all of the closing costs that must be paid for your short sale to close; Supporting documentation, including two months' worth of paycheck stubs and all your bills; Your last two federal income tax returns. (0 comments)
Curb Appeal - 06/03/10 12:24 AM
Making your home pretty is something that a heck of a lot of people overlook. Did you know that people constantly are looking at homes and I can tell you for sure that curb appeal is something that everyone is looking at. A garden is a fantastic way to ensure that you get some curb appeal. There are a few steps that you will need to take whenever you are looking to plant a garden and one of them is to decide exactly what you are going to plant. This is where deciding on veggies or flowers is very important. Both (3 comments)
Grooming Your Yard - 06/01/10 12:31 PM
Does your yard have a freshly-painted fence, a smooth, green lawn and a well-trimmed hedge? A well-groomed yard is one of the most important indicators of proud ownership. Neighborhood pride can pay impressive dividends to homeowners.Even if you don't plan to move right away, a well-groomed yard could help your neighbors sell their home. Yard work and gardening can be relaxing and rewarding hobbies that can pay off in beautiful flowers--and higher property values.If everyone does their share to make the neighborhood look terrific, the demand for homes like yours will increase among prospective buyers, and nearby homes will also sell (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.