Avoid These Six Home Improvement Mistakes

One of the best ways to add value to your house is through a home improvement project. However, there are plenty of pitfalls when it comes to remodeling. Here are six critical mistakes to avoid: Not talking to your real estate agent ahead of time. Before you decide on any renovations or remodeling projects, it’s […]

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Mortgage Options for Retirement

Whether you’re retiring five years from now or 25 years from now, your financial situation will be one of the keys to a happy retirement. Your savings, investments and retirement income (if any) will be your main focus, but you’ll also need to look at one other important area: your mortgage. Depending upon your financial […]

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Lack of Comparable Sales

“THERE HAVE BEEN VERY FEW HOME SALES IN OUR AREA. HOW CAN WE SET OUR LIST PRICE IF WE DON’T HAVE ANY COMPARABLE SALES TO GO BY? ALSO, TO COMPLICATE THINGS, WE’VE MADE A LOT OF UPGRADES.”   This is a situation in which having an experienced real estate agent who knows your area is […]

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What Can I Afford?

Whether you’re buying a home for the first time or considering a move into a new home, how much you can afford—in terms of a mortgage and general housing expenses—is the biggest calculation you’ll need to make. To figure out how much you can afford, first you’ll need to calculate how much of your gross […]

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Current & Future Interest Rates Trends October 18′

Now that the traditional spring/summer buying and selling season is over, let’s take a look at how interest rates have been trending—and what may be in store in the coming months. Generally, the interest rates on a 30-year fixed-rate mortgage and on a 15-year fixed-rate mortgage have been stable throughout the spring and summer real […]

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3 Reasons Why You Should Refinance This Summer

Whoever coined the phrase, “Make hay while the sun shines” was onto something­­­­—summer is the absolute best time to tackle those projects (or vacations) you’ve been putting off. And while there are many valid reasons for delaying said projects, a lack of funds shouldn’t be one. Especially when we’ve come up with 3 sure-fire reasons […]

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Are Mortgage Rates Influenced by the Presidential Election?

Thinking of buying a home? If you’re thinking of buying a home, it’s prudent to know if current events have any impact on the direction of mortgage rates. After all, the direction of mortgage rates means you can buy more house for the same money if they go down, or less if they go up. […]

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Saving money: Tips and Tricks that are almost too Easy

Saving money is hard, actually the only hard part is allowing time for your money-saving tips to take effect. Many money-saving tips and tricks are so simple and easy, you should not have a problem implementing them into your daily life. The problems arise when those tips are not followed regularly. The biggest, and best […]

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Mello-Roos Tax Assessments: What You Need to Know

The Community Facilities Act—also known as Mello-Roos—was enacted by the California legislature in 1982 to enable local governments to create Community Facilities Districts (CFDs) in order to obtain additional public funding . Named for the tax Act’s co-authors Sen. Henry J. Mello (D-Watsonville) and Assemblyman Mike Roos (D-Los Angeles), counties, cities, special and school districts, […]

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3 Great Online Tools for Money Management

In our search to bring you the very best sites online to help you with your money management, we turned to the experts themselves. The following three sites have helped millions of people to get a handle on their financial ‘big picture’, make a budget they can live with, and even get out of debt. […]

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