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Why do I need a Notary?

A Notary is a designation to be respected.  They are appointed by state government to witness the signing of important documents and administer oaths. Their legal responsibility is to detour fraud and to ensure proper execution.  The Notary is an impartial witness that ensures the signers of documents are who they say they are and not impostors. The Notary makes sure that signers have entered into agreements knowingly and willingly. There are many documents, especially in the real estate industry […]

So You’re Ready to Buy Your First Home?

You’ve paid off your debts, your credit score has increased, and you have saved enough to make a down payment. You also qualified for a loan. Here are some considerations before you buy a house because, there are additional costs beyond the initial purchase. First to consider is calculate what to spend. You need to plan for mandatory fees such as property taxes, homeowner insurance, and homeowner association dues (if your desired community as an HOA). These fees are not […]

2016 – Take the Challenge and Dissolve Debt in a Few Simple Steps

Saturday, 9:00 am, January 2, 2016. The credit card bills arrive and, you can’t afford to purchase a ladder long enough to climb out of the hole you created from holiday gift shopping and celebrations.  What now? The urge to over spend using credit cards already at the limit edge and acquiring new credit for gifts, big celebrations or a new get-up is just bad and stressful. Challenge yourself today for a debt-free New Year.  Buckle down and create an […]

Important Tips for Stress Free Moving

Moving can be stressful but, there are simple ways to make the process more organized.  Here are a few basic items: Document all your cords:  Take photos and mark each cord with the equipment it belongs with.  Make notes on how your media equipment is up (television, sound equipment, modems and computer). Update your address:  Either visit your local post office or their website at USPS.com and submit your address change.  Plan for your pet: Moving can be stressful for […]

10 Mortgage Terms You Should Know

Unpacking the lingo is the first part of the home purchase process.  Understanding the terms, acronyms and other confusing jargon will help you better negotiate the terms of your mortgage. Buying a home is the single most expensive purchase most people will accomplish in a lifespan.  Here are ten terms explained as simple as possible: It’s all in the family –  Freddie Mac, Fannie Mae and Ginnie Mae This trio was formed by the federal government to support a national […]

NOT ALL HOME IMPROVEMENTS ARE EQUAL

Adding value to your property is a smart decision. But beware; there are some projects that sound good in theory but will cost you more than the equity payout.  Here are some projects to avoid: Home Office Remodel The home office is a popular space in most homes today. If your home office leaves a lot to be desired kept your improvements simple; a pleasant paint color, better lighting or a nice desk.  Don’t try to remodel it unless there’s […]

California Drought

Giving Your Landscape the Water it Needs and Only the Water it Needs Most homeowners know that plants and trees writhe without sufficient water. But overwatering can take on even greater toll on your landscape. Watering too much or too often can also register on your water bill as the cost of treating and pumping water increase all over the state. Fortunally, significant water savings can be appreciated by performing just a few modest practices. Californians’ recognize that water is […]

30-YEAR MORTGAGE RATE REMAINS STEADY

The Associated Press reports that the average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week. The average for a 15-year mortgage, a popular choice for people who are refinancing, slipped to 3.24 percent from 3.25 percent. This is certainly good news on the economic front, where some analysts suggest that the static low rates have increased home sales across the country. The AP article stated that real-estate data provider […]

Mortgage Lenders Are Finding New Ways To Lower Rates

Online comparison shopping is changing everything from how we buy a new television set to how we select a mortgage, and it’s allowing some mortgage lenders to get creative in order to compete. Lenders are stripping down features of mortgages to get their rates lower. Consumers have always been keen on scoring a low mortgage rate, but the ease with which they can comparison shop via their computers, smartphones and tablets has created an even greater fixation on the headline […]

Mistakes Home Sellers Commonly Make

Ready to buy a new home and need to sell your current one?  Like most other times, today’s market can be volatile. Obviously you will need a sound plan, including the assistance of a professional realtor, to pull off the switch. 1. Interview several realtors. For many people, a home is the biggest investment you’ll make. Especially if you need the proceeds from a home sale to purchase a new home, make sure your realtor is experienced selling homes in […]