Home Ownership

The ins and outs of home appraisals

A property appraisal is different from a property inspection. The home appraiser’s job is to determine the current value of a house or other property. The appraiser, of all the people you encounter during a home purchase, is the one you’ll probably interact with least. Looking for issues in the home that the buyer should …

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Hazard Insurance and Insurance Riders

Trying to be prepared for every contingency is part of being a responsible homeowner. Dealing with the associated legal and medical problems out-of-pocket is nightmarish, so you’ll have peace of mind in paying for extra hazard insurance. Studies have proven the home is the number one place where accidents occur, and both homeowners insurance and …

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What’s the Difference? Private Mortgage Insurance vs Homeowner’s Insurance vs Mortgage Protection Insurance

  Private Mortgage Insurance (PMI) Private mortgage insurance protects your mortgage lender in the event you default on your loan. Many lenders will require high risk buyers to carry private mortgage insurance to protect what is their investment too. Generally, it’s required if you have a conventional loan and make a down payment of less …

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Regular Home Maintenance Checklist

As a new homeowner, it can seem intimidating or totally overwhelming keeping up with the tasks required of home ownership. Fortunately, most of this list of tasks can be completed on your own without much experience. Without further ado, here’s your regular home maintenance checklist: MONTHLY Inspect, and possibly change out HVAC filters Experts will …

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Energy Improvement Projects

According to energy experts, roughly 35 percent of heating and cooling is lost through your roof. Even more can escape through the walls, windows, doors, and from air leaks. Make your home energy-efficient with the basics, and the most important is the proper sealing of air leaks and insulating sufficiently for the weather in your …

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Are you financially ready to buy a house?

A home is likely the single largest investment you will make in your lifetime. It has enormous potential to build up your wealth over time. But did you know that even in a relatively unpredictable market, you can purchase a home? If you adjust your thinking and your vision, you can almost always buy something …

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Millennials and their Home Buying Expectations

Totaling more than 80 million individuals, millennials represent the largest generation in the U.S. By 2025, they will claim three-quarters of all jobs. Also considered the best educated, 35% of 25 to 29-year-olds hold a degree, while at the same time carry some of the highest debt levels due to student loans and credit card …

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