October 22, 2015 rummy

We are often asked why there is so much paperwork mandated by the bank for a mortgage loan application when buying a home today. It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago. There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any time in history. The…

October 21, 2015 rummy

In the latest Rent vs. Buy Report from Trulia, they explained that homeownership remains cheaper than renting with a traditional 30-year fixed rate mortgage throughout the 100 largest metro areas in the United States. The updated numbers actually show that the range is from an average of 16% in Honolulu (HI), all the way to 55% in Sarasota (FL), and 35% Nationwide! The other interesting findings in the report include: Interest rates have remained low and even though home prices have appreciated around the country, they haven’t greatly outpaced rental appreciation. “In the past year, these two trends have made homeownership even more affordable…

October 19, 2015 rummy

As fall begins, a lot of us are starting to think about the holidays. Thanksgiving will be here soon, as will Christmas, and then New Years. For a lot of people, these holidays equal one thing—stress. According to a recent survey, Christmas is actually rated 6th on the list of ‘most stressful life events’, being right up there beneath moving, divorce, changing jobs, and other equally stressful situations. 86% of people also said that they found buying presents difficult, and 65% said that shopping for Christmas presents was, in itself, a stress-filled experience. But why are the holidays associated with so…

October 2, 2015 rummy

the perfect time to enjoy your outdoor space. Gather your friends and family and make the most of the cooler season with one of these fun outdoor ideas. Gather Around the Fire — From a portable fire bowl to an elaborate built-in structure, there are fire pit designs to fit every budget. (Your town may have rules on where or if you can build a fire pit, so check ordinances first.) Use your fire feature to roast marshmallows or stay warm while you swap stories under the stars. Host a Movie Night — Revive the drive-in movie concept in your…

September 24, 2015 rummy

There has been a lot of talk about how difficult it is to get a home mortgage in today’s lending environment. However, three recent reports have revealed that lending standards are beginning to ease. This is great news for both first time buyers and current homeowners looking to move or buy a second vacation/retirement home. Let’s look at the three reports: The MBA’s Mortgage Credit Availability Index This index, issued by the Mortgage Bankers’ Association, measures the availability of credit available in the home mortgage market. A decline in the MCAI indicates that lending standards are tightening, while increases in…

September 21, 2015 rummy

Some make success look easy but the truth is that when a person who has reached the brass ring is noticed it’s only after the most difficult steps have been traversed, and not when they are struggling, which all people who have worked hard have done. Luckily for those who want to follow in their footsteps, the secrets to success are not secrets at all. In fact, there are five things that all successful people do in order to achieve their dreams. 1. Successful people take responsibility for their actions and inaction   Have you ever wished for success but…

September 18, 2015 rummy

8 Things People With Spotless Toilet, Shower and Sink Do Every DayIf the bathroom is your least favorite space in your entire home to clean, we hear you. It’s messy, germy, and sometimes smelly. But what if we told you by adopting a few daily habits you can actually clean this room less often and it will be ​way ​easier? These are a few of the things people with clean bathrooms do every day: 1. They make a point of emptying the trash can. Even the smallest amount of garbage can leave a room smelling foul and looking cluttered. Instead of letting trash pile up, do as Patty Vila does:…

September 17, 2015 rummy

Just as every mother believes her son is a handsome devil, we homeowners tend to see the best in our houses—or at least we become comfortably familiar with the way they look. Cosmetic fixes can put a prettier face on a plain-Jane home, and the bill doesn’t have to hurt.But let’s face it, to the objective eye, not every man is George Clooney and not every house is a Frank Lloyd Wright masterpiece. There are a lot of drab, even downright gloomy façades out there, especially among homes that were built shortly after World War II, when many builders abandoned…

September 17, 2015 rummy

Having a second home for getaways sounds glamorous – and it can be – and many times, it’s even a really good long-term investment. But don’t jump in blindly. Here are eight considerations to make before plunking down on a vacation home: Spend Time There First Don’t even think of buying a vacation home until you’ve visited the area a few times. It sounds basic, but you better be sure you simply adore and can’t get enough of that beach town, ski village, or country ranch before you commit to buying there, since you’ll be spending a great deal of your free…

September 15, 2015 rummy

Use these 10 tips to increase your home’s curb appeal and find out how an attractive and well-maintained landscape can add as much as 10 percent to its value.A light blue house with arched front door at the end of a brick walkway also boasts a front-yard cottage-style landscaped garden, complete with various flowers and plants, and a white picket fence. Potential home buyers form their first impression of a home from its curb appeal. Yet often a home’s outdoor landscaping is overlooked, or underdone, in the preparation for the sales process. An attractive and well-maintained landscape can add as…