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A Homeowner's Toolkit: All The Tools You Need To Care For Your Home

Friday, July 14, 2017


Neil Erickson


  1. Bridge Financing: What Is It?
    19 Sep, 2017
    Bridge Financing: What Is It?
    Bridge Financing: What Is It?  When it comes time to finance your new home and you still have a loan on another home you own but plan to sell, you are likely to run into the term bridge financing.  This is a special type of financing that can help solve the cash flow problems created by the need to complete the purchase of one home before you complete the sale of the other.  Filling In The Gap  It can be difficult to get the sale of your current home to coincide perfectly with the purchase of
  2. 31 Jul, 2017
    The Advantages of Pre-Approval
    The decision to purchase a home can be an exciting but sometimes confusing undertaking. When beginning your search for the perfect home, there are a number of factors that you will want to consider. Whether you are a first time buyer or already own a home and want to move up, getting pre-approval for your mortgage is a necessary and time saving step. Here are some of the benefits of getting pre-approved!  Know Your Budget!  Getting pre-approved means that you will have a clear picture of the
  3. 08 Feb, 2017
    Do you really need a broker?
    Do You Really Need A Broker?  A mortgage broker's job is to match you with a mortgage company that can offer you the best terms on your home loan.  Most brokers work with a list of companies and can consider a variety of options for you.  Do you really need a broker, or is it better to do the legwork yourself to make sure you get the best rate?  There are a few things to consider.  Do You Have The Time?  It's a good idea to shop around for the best rate on your mortgage, and not everyone has
  4. Can A Bathroom Remodel Increase Your Home's Value?
    12 Sep, 2017
    Can A Bathroom Remodel Increase Your Home's Value?
    Can A Bathroom Remodel Increase Your Home's Value? When you are planning to sell your home, a bathroom remodel may be one of the best places to increase your home's value.  Depending on the existing condition as well as the style and age of your home, here are a few things to consider before tearing out that sink! Does The Bathroom Age The House?  It could be a black toilet or avocado tiles, but if your answer to this is yes, then a bathroom remodel can really make a difference.  Prospective
  5. 07 Sep, 2017
    Building A Home Theater
    Building A Home Theater These days, a home theater is one of the most popular trends in the nation.  Homeowners are opting to save a bundle on the cost of theater tickets by bringing the fascinating world of cinema into their own homes in a big way.  Quality Counts  When it comes to creating a home theater, the choice is yours when it comes to the level of quality that you want to deliver.  A home theater can include something as basic as a television and DVD system or it can include a
  6. 24 Aug, 2017
    Applying For a Joint Mortgage Loan With Your Spouse
    Applying For a Joint Mortgage Loan With Your Spouse  When you are ready to buy a home, applying for a mortgage is one of the first and most important steps.  For married couples, this usually involves applying for a mortgage loan jointly.  This means that the loan will be in both of your names and you will be co-owners of the house.  While it may seem like the obvious thing to do, there are a few situations when applying with only one name might be wise.  Here are a few tips on joint mortgage
  7. Recognizing Predatory Mortgage Lenders
    10 Aug, 2017
    Recognizing Predatory Mortgage Lenders
    A predator is defined as one that preys on others, which is why some lenders have fittingly earned the title as predatory mortgage lenders. Excessively high interest rates, questionable and/or hidden fees and high pressure tactics used to direct borrowers to a larger loan than they may be able to afford are trademark characteristics of a predatory mortgage lender.  Prey Verses Predator  When it comes to obtaining a mortgage, the rules of the jungle often apply. If you aren’t careful, you may
  8. Calculating Your Monthly Mortgage Payments
    30 Jun, 2017
    Calculating Your Monthly Mortgage Payments
    Calculating Your Monthly Mortgage Payments One of the most important factors to consider when buying a new home is affordability.  As a general rule, mortgage payments should not exceed 25-30 percent of your monthly take-home pay.  The best way to know what you can afford is to determine the possible payment range by comparing the price of the home with other essential ingredients.  Figure Out How Much You Want To Borrow  Your first step to calculating your monthly mortgage payment is knowing
  9. Buying A Home With Past Credit Problems
    26 Jun, 2017
    Buying A Home With Past Credit Problems
    Buying A Home With Past Credit Problems Buying a home can be both exciting and stressful but, for those with past credit problems, the process may also seem intimidating.  The good news is that many lenders have adapted to the idea that many hopeful homeowners simply need a second chance, which means that past credit problems no longer have to define your future.  Credit Blemishes  When life unexpectedly takes a turn for the worst, it's not always possible to come out without a few bumps and