Melissa Juarez's (majesq82) Blog

HAFA is an add-on to HAMP.  If borrowers are eligible for HAMP but can not work out a modification program with their lender, there are now guidelines to assist homeowners and lenders in executing a short sale or deed in lieu. What loans are eligible? -non-Fannie Mae/Freddie Mac -zero-down loans ...

The new year gives you a chance to reduce your energy use at home.  Here are some useful tips: 1. Wash only full loads of dishes and clothes (no brainer!). 2. Take short showers and baths. 3. Lower the thermostat on your hot water heater to 120 degrees. 4. Plug home electronics such as tvs and dv...

If you are unmarried and are buying a home together, can you divide the first-time home owner tax credit between the two of you since your marital status doesn't allow you to jointly file a tax return? The answer from the IRS: only one of the two people can claim the tax break if they are unmarri...