Dont Trust Credit Reporting Agencies
When you apply for a mortgage loan, or any credit, the lender relies on information that is supplied by lenders, landlords, government agencies, courts, and credit card companies to three credit reporting bureau, Equifax, Experian, and TransUnion. Numerical values are assigned to defaults and late payments, income-to-debt ratios, types of credit and other data. The values are compiled into credit…
Don’t Assume That There Is Something Wrong with a House That’s Back on the Market
Don’t Assume That There Is Something Wrong with a House That’s Back on the Market If a home sale is pending and then the house goes back on the market, people often assume that the prospective buyer backed out after discovering a major problem with the property. That’s not necessarily true. If you see a house that has been relisted,…
The Benefits of Houseplants
Spending time outdoors surrounded by nature can improve your physical and mental health in a variety of ways. Bringing nature inside can also be beneficial. Here are several reasons why you might want to add some plants to your home. 1.Plants Can Improve Indoor Air Quality Pet dander, cleaning products, and other contaminants can create poor indoor air…
If You Want to Make Several Home Improvements, How Should You Prioritize Them?
When you think about changes that you would like to make to your house, the list might keep growing and growing. You probably can’t afford to make all those upgrades, at least not right away. Here are some strategies to help you organize your wish list and set priorities. Figure out What Absolutely Has to Be Done If your…
“Should You Buy a New Home or an Existing Home? Pros and Cons.”
New-home ConstructionPros:Modern floor plan (open space, flex rooms, larger windows)Delayed major maintenance costs (such as roof or HVAC)Lower utility bills as a result of stricter building codes and newer energy-efficient productsMore upfront personalization Builder warranties on materials, workmanship and structural itemsCons:Higher upfront costsSpecial financing, such as construction loans, often neededLonger wait timesOften farther from amenities, jobsSparse landscaping Existing-home ConstructionPros:Lower-priced…
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