How Do we improve the air quality in our Homes?

Usually the most effective way to improve indoor air quality is to eliminate individual sources of air pollution or to reduce their emissions. Some sources, like those that contain asbestos, can be sealed or enclosed; others, like gas stoves, can be adjusted to decrease the amount of emissions. In many cases, source control for airContinue

Are you better off fixing or buying a home?

There is neither a specific answer nor one size fits all!  There are plenty of considerations to review. First of all, your financial ability and market demands are some of the factors to survey before deciding if it’s wiser to find a new dream home or fix your current home. Before considering renovating your existingContinue

Opening Doors for Homebuyers!

The Federal Deposit Insurance Corporation is the first of six financial regulators to release the final version of the long-awaited qualified residential mortgage (QRM) rule. The National Association of Realtors applauds this action because it will make possible to incorporate rules that include a broad definition for Qualified Mortgage standards implemented earlier this year. UnderContinue

Got Refi? Rates…better than ever

  Falling interest rates precipitated a major refinancing rally  according to the Mortgage Bankers Association’s (MBA’s) Refinance Index.  The MBA’s Refinance Index is a weekly measurement put together by the Mortgage Bankers Association, and the National Real Estate Finance Industry Association. Strong job growth, coupled with  low mortgage rates, should reflect now the increase in home salesContinue

Homeownership at Best!

Federal Housing Finance Agency has been working towards a plan to open what many we see as underwriting standards that are too restrictive. Mortgage giants Fannie Mae and Freddie Mac, their regulator and lenders are close to an agreement that could greatly expand mortgage credit while helping lenders protect themselves from charges of making bad loans, according to people familiarContinue

Save on your Mortgage NOW!

Mortgage rates are historically low, and many owners have the opportunity to take advantage, but not all owners pay close attention to these numbers.   You have the opportunity to investigate the possibility of refinancing through HARP or stream line if your loan is FHA to take advantage of the historic rates.   You can analyze  what financialContinue

Boost Your Home’s Selling Price!

If you’re looking to sell your home for top dollar, in addition to “Location, Location, Location” there are some other suggestions you may benefit from, to get top dollar for your home!     As the saying goes, “You don’t get a second chance to make a first impression.” While curb appeal gets buyers in the door,Continue

Borrowers may now have a chance to build equity fast

Two major banks have agreed to originate a new 15-year mortgage under pilot programs aimed at low- and moderate-income borrowers. In addition, the creators of the so-called Wealth Building Home Loan,   allows home buyers to build equity at a much faster clip than they would with a standard 30-year loan. Typically, the monthly payment onContinue

NOW is the time…Rates don’t wait!

If you have higher mortgage payments, now is the time to change it!  In recent years we have seen many changes in our national economy. We have seen cuts in interest rates given by the Federal Reserve cuts not seen for many years.  One situation that influenced home foreclosures for many homeowners were the high interestContinue

Home sales show encouraging stats

Existing home sales, excluding distressed sales, are the most encouraging stats at the moment. These, according to Trulia and the National Association of Realtors, were 80 percent back to normal in August. Trulia’s Bubble Watch also showed that prices were 3.4 percent undervalued in the third quarter, which is a marked improvement over the 13.5 percentContinue