What you own and what you are responsible for may often be the same thing, but that sidewalk out in front of your house is a tricky proposition. Many cities and municipalities own the sidewalk, but the responsibility for their upkeep may fall to you, the homeowner. The decision on who owns the sidewalk and who is responsible is often controlled by individual states. The rules, responsibilities and even financial obligations can change from city to city, too. Learn more here.
Spring Ahead With Tips for Spring Cleaning
After a brutal winter, spring is finally in the air. As the clothes get lighter and windows open up to let in the fresh air, you probably notice that there are a lot of things that could use a good cleaning and organizing. Winter clothes need to get stored away, and those windows could use a washing. And while everyone knows how to clean, there are always a few tips that make the effort faster, more efficient and a bit more organized. Here are a few tips for you that might make your spring cleaning a bit easier this year. Read more here.
What Will Zillow and Trulia Look Like?
In July of last year, the now completed merger of Zillow and Trulia was in the early stages. Questions on how the new company would look were plentiful. Well, the wait is over, and the future of the Zillow Group is direct connections between brokerages and MLSs. The Zillow Group is losing some listings due to a court fight with List Hub, but they are working feverishly to limit the impact by signing new and interesting listing partners. Read more here.
Know How Much House You Can Afford Anytime
How much mortgage can you get? If you want to get formal about it, you can get in touch with a Loan Officer and get preapproved for a mortgage, but that might be a step too far for some to consider. Another way is to look into a mortgage access index online. By considering several different variables like credit score, debt to income ratio, and loans you might have, you can quickly get a solid picture based on Fannie Mae Loan Acquisition data. Find out how much mortgage you can afford today, read more here.
The Not So Secret Tips for a Solid Home Investment
When you’re considering buying a home, advice can come in from all sides, some of it good, some of it might be a bit of a stretch to put it mildly. What good advice has is a solid base in practicality and reason. And it is always worth the time to revisit solid tips on home buying. These tips are a collection of insider standards that will help you to disqualify those homes that have some fundamental challenges and narrow down the list of potential homes that have the foundation you need for a sound home investment. Read more here.
Own Your Mortgage Application Process
Being in charge of the things that matter to you can help ensure that they are done right. Delegation has its place, but there are some things you need to ‘own’. When you are going after a mortgage, you may think this is a process largely out of your control and you might wonder how you can own it. Understanding the right questions to ask and what factors you need to consider will help keep more of what happens in your control, and ensure that the results are more fitting to your needs and wants. Read more about how to control your mortgage application process here.
Tips for Buying Home Insurance
If you are planning on making what is likely the biggest purchase of your life by buying a home, you will definitely want to consider how to protect it. When you get your mortgage, your lender will require you purchase insurance, but don’t think this is just a box to check on your way to moving in. Insurance is important, and getting the right coverage is crucial to your future stability and security. Consider the landscape, the surroundings, the location and more. Should you consider flood insurance? There are many considerations, read more here.
When Should You Buy A New Home?
If money is no object, then anytime you want. But for most of us, money is an object, so some months may be better than others to buy your new home. There are a lot of misconceptions about when the best time is, with many thinking it’s spring. While that might be true for people with kids, it might not be the best time for everyone. Consider what’s important for you and you might find that moving in the fall and winter months offer a better match. Pricing, location, reason and more go into determining the best time. Read more here.
Upgrade Your Space Heater for Next Year
There are areas you congregate or where you stay for long periods (home office anyone?) that you love, but where you just can’t keep out the cold of winter. The ideal solution is to tuck a space heater into those areas and warm them up. Unfortunately, those heaters tend to be ugly little things that can be a safety concern as well. But a new generation of heaters is changing that perception and changing the way you might consider using them. Cheap oil might not be the case next winter, so consider a new space heater now for next winter. These heaters are cutting edge.
The Giant Disruptor?
It appears that launching a mortgage payment calculator may have only been the first step in a much longer journey for Google into the mortgage market. The US version of Google’s Compare service lets consumers compare different credit cards. The UK version of the same service, the version that is making its way to these shores, allows consumers to compare much more, including car and travel insurance, credit cards rates and mortgages. The UK version can offer a choice of up to 81 lenders. Read more about the changes ahead here.
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