Should I Buy a New Home versus an Old Home? - 09/28/10 08:18 PM
To this question, there is no definitive answer, because there is no way to determine an older home is a better value than newer or vice-versus.  Sometimes the availability of either type of home will help you determine the correct answer to your situation based on your needs and desires.  When starting your search, I recommend viewing both new and old construction to determine the pros and cons of purchasing each type of home.  Generally, older homes are located older neighborhoods, where the trees and yards are more established.  People, who buy these homes, normally have to spend more money on … (3 comments)

When & How to Start the Home Buying Process - 09/22/10 11:47 AM
Some home buyers need to understand some basic requirements before beginning their home search.  If you are a cash buyer, some of the following rules may not apply in your situation.  First, you need to have a steady source of income; usually a reliable job with 2 or more years being employed on a regular basis.  Should not make a job change during the contract phase, this may lead to other complications.  Second, in most situations, you need a 680 or greater credit score.  The credit score is an indication of what type of record you have in paying bills.  Recommend … (1 comments)

Ways to Save Money on Homeowners Insurance - 09/17/10 08:45 PM
Most homeowners either voluntarily elect or are required by their mortgage company to carry homeowners insurance.  The insurance payment is either automatically included in their monthly mortgage payment or is paid separately by the homeowner.  As a homeowner, you need adequate insurance coverage at the lowest cost without jeopardizing your family's financial security.  Following are some suggestions that may help control insurance cost on your property:
•  When buying a home, consider a newer home, this usually will be in better shape and more likely to cost less to insure. 
•  If the electrical & HVAC systems are less than 10 … (2 comments)

Kitchen Most Important Room When Selling - 09/10/10 09:38 PM
When preparing to sell your home, the kitchen will probably be the most important reason why you get an offer and/or the size of offer you receive.  Prior to putting home on the market visit several other homes to determine how best to stage your house, this will give you some positive ideas.   Before putting your home on the market, do a role reversal, and evaluate your house as a potential buyer.  If you truly take this action, there will be a greater chance you will see your kitchen it a different light.   Be sure your kitchen is property cleaned and de-cluttered.  Items … (1 comments)

Types of Fraud Alerts - 09/03/10 08:48 PM
In today's world, many people are becoming a victim of identity theft. Therefore, it is wise to be knowledgeable of the different types of fraud alerts.  First type is the initial alert; this alert can be put on your credit report for at least 90 days.  Times and examples when you would want this alert placed on your credit report:  suspect or victim of identity theft resulting from your wallet being stolen or you have been a victim of phishing scam.  Once this alert has been placed on your credit report, potential creditors are required to use reasonable policies and procedures … (0 comments)

 

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