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March 2017

Found 5 blog entries for March 2017.

Things to consider when living in a flood zone Home-buying locations come in all shapes and sizes, and in certain wetter regions, high water levels and occasional flooding are an inevitable fact of life. When purchasing a home near a body of water or within a flood plain, you have to seriously consider how the water levels may rise and flood into your home. Even areas that are not near large bodies of water may be located in flood zones.

Here are things to consider when buying a home in a place that has an increased chance of flooding, and what type of flood preparation you should take to minimize the damage and reduce stress.

Investigate the Chances of Flooding in the Home

Not every seller will tell you that there has been past flooding in the house. Some are afraid that this

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Smelly Empty Home Homes that haven’t been lived in for a while can develop a musty, stale odor that home buyers can find unpleasant. While this may not stop a home from selling, unpleasant odors can reduce the sale price or make the home harder to sell. Fortunately, there are many ways to air out a house and make it smell more appealing to home buyers.

Remove Carpeting

Carpeting and upholstery can absorb odors over time, so, while you can deep clean and shampoo your carpeting, removing carpeting in the home can quickly cut back on odors. Some homes will have hardwood floor boards under the carpet, which makes removing the carpet a relatively easy task. In homes where the carpet covers a sub-floor, new carpeting or flooring must be installed.

Repaint the

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Selling to First Time Buyer Putting your home on the market to sell is a lot of work. After a flurry of activity in cleaning, packing and staging your home to make it look irresistible during showings, you're finally ready to invite the world in and — hopefully — take your pick of offers. Though you've probably already spent time thinking about your ideal buyer's tastes and needs, you probably haven't given much thought to their financing. After all, as long as they have a loan, shouldn't that be good enough for you? Perhaps.

But understanding your potential buyers' mortgages will help you rank multiple offers with better accuracy. Federal Housing Authority (FHA) loans are quite common, but this type of financing comes with restrictions about the home inspection and

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How Much Home Can You Afford? 

When you apply for a mortgage, your prospective lender will check several factors, including calculating your debt-to-income ratio in order to determine the amount of mortgage to extend to you. You can get a jump start on the home buying process by calculating your debt-to-income ratio yourself so that you have a good starting point of the price range of homes you’re likely to be able to comfortably afford.

What is a debt-to-income ratio and how is it used?

Your debt-to-income ratio is the difference between your income each month and your monthly payment obligations, and it is expressed as a percentage. Said another way, how much income do you have left over each month after paying your bills? A high debt-to-income

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Are you hoping to buy a home in 2017 but worried about the down payment? Looking to live outside of a big city – whether that be in a small city, town or out in the country with plenty of space? Many Americans can afford the monthly mortgage payment on a home for their family, but have trouble coming up with the 20% down payment that conventional mortgages generally require for offsetting the additional expense of private mortgage insurance, or PMI.

In many areas of the country, coming up with a 20% or even a 10% cash down payment means saving up tens of thousands of dollars just for this one purpose. Most buyers understand that they will likely need some cash on hand after they purchase their home, either to fund moving expenses or to buy new

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