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November 2016

Found 9 blog entries for November 2016.

Improve the Bedroom for Sleep Is there anything more frustrating than spending hours tossing and turning in your bed, obsessively checking the clock only to find that every time you do so reveals that your available hours of sleep are dwindling beyond all hope? 

If you're looking to improve your sleep, give your bedroom a sleep makeover. Try these quick home improvement projects to make your bedroom a more optimal place to catch your Zs.

Install a Dimmer Switch

You don't have to be an electrician to get this done as long as you have a screwdriver.

Turn off the power at your circuit breaker, then use your screwdriver to remove the switchplate and loosen the poles on the switch box itself. Remove the old switch and wrap the metal ends of the wires around the new one,

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If you are looking to buy a home in the near future, you know that credit matters. While you can get approved for a mortgage with a credit score below 600, the best terms and lowest interest rates are likely to go to those home buyers with scores above 700. So if you’re in the low 600 range now and hoping to bump up your score in order to buy a home this year, you may still have time to do so. We’ve collected 3 tips below on how to increase your credit score quickly. 

Pay down any existing credit card debt to below 30% of your available credit limit.

 A large portion of your credit score is based on your utilization of your available debt. The more you use, the lower your score. Aim to keep balances on your credit cards which are less than 30% of

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Historic Real Estate Buying Contrary to what some television shows portray about home renovation, old homes aren't always fix-and-flip dreams. These types of older, historic homes often require major investments of money and time to be transformed into dream residences.

If you are considering the purchase of an older home, it helps to understand about historical home designations as well as the financial pros and cons of buying an older historic home.

What Is a Historic Home?

A home usually needs to be more than 50 years old to be considered historic by local preservation agencies as well as the National Register of Historic Places and its state offices.

Historical designation of houses often are based on distinctive aspects of architectural design. For example,

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In many areas of the country you can find a great single family home for less than $250,000. In other areas of the country, that’s what you’ll need for a down payment on the home of your dreams. In those areas where the cost of living, and the cost of housing, is higher than average, many home buyers will need to take out a jumbo mortgage loan in order to purchase property. 

What is a jumbo loan mortgage?

A jumbo mortgage loan is a home loan for an amount that exceeds what’s known as the “conforming” mortgage loan limits set by housing regulators. The “conforming” mortgage loan limits are set by the Housing Finance Agency, a federal agency which oversees both Fannie Mae and Freddie Mac.  Jumbo loans are not for unlimited mortgage amounts though –

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Although owning a vacation home may sound like a lot of fun (and it can be!), don’t purchase without doing some homework first. Unlike owning a timeshare where you are likely to have some concerns taken care of like housekeeping, security and other measures, buying a second home can come with a lot of unexpected surprises for a buyer who has purchased without doing research prior to sale.

 If you are thinking about purchasing a second home – either for your own enjoyment or to generate rental income, or a combination of the two, here are our top 3 tips for things to take into consideration before you buy.

 Make sure you take into account the total price of ownership – not just the mortgage costs

 Although there are the obvious costs of owning a

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Home Repairs to Invest In Every experienced home seller knows investing the time and money to properly prepare a home for the market can result in a faster sale and a bigger returns.

However, home repairs and renovations can be difficult to keep within budget, and, if a homeowner spends too much, it will be difficult or even impossible to recoup those costs at the closing table.

If you are preparing to put a home on the real estate market, the following information can help you get your home into show-ready condition without wrecking your home renovation budget. 

Make a Plan and Stick to It

If you have ever tackled a little home repair job and watched it morph into a much bigger, more expensive project by the time it was completed, then you know the importance

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If you’re looking to buy a home, one of the biggest decisions you’ll make is whether to go with a 15-year or a 30-year mortgage loan. There are some simple and straight forward mortgage calculators available online that will give you a good ballpark figure of what you can expect to be out each month based on which mortgage option you select, however, they are other things to take into consideration besides your monthly mortgage payment.

An experienced mortgage professional will be able to guide you through the differences between a 15-year and a 30-year loan, but we’ve also collected some factors to think about when deciding what is best for you and your family.

 Key Differences Between 15- and 30-Year Mortgages

The most obvious difference is the

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Buy Sell or Rent Inherited Real Estate Inheriting a home or property from a parent, other relative or friend can present unique challenges.  It can be difficult to remain objective while deciding how best to proceed.

The urge to retain the property is sometimes very strong, but doing so may not always be in your own best financial interests over the long term.

If you have recently inherited a home or property, the following considerations may help you decide what decision is best for your situation.

Take Some Time

Important decisions should normally be delayed for a period of time, if possible. That time will allow you to refocus and get past emotions that might otherwise cloud your judgment, thus lessening the chances of making decisions you might later regret. At the same

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All across the county people are looking to streamline their lives and downsize into small and in some cases tiny, homes. Tiny homes may be all the rage, but can you get a traditional mortgage on a tiny home? Does it matter whether your tiny home has a foundation or is on wheels? If you’re thinking about purchasing – or building – a tiny home this year, read below for information about obtaining a mortgage on a tiny home. 

Why are tiny homes becoming so popular?

The “tiny house movement”, which includes small homes (generally under 1,000 square feet), small apartments, tiny (generally under 500 square feet) homes and spaces is a social movement whose strongest supporters advocate for living more simply and maximizing your living space, rather than

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