While it's fun to check the Zillow or Trulia sites to find out an estimate for your home's worth, most real estate experts point out the estimates are a stretch. Aspiring home sellers often wonder, "What is my home worth? How accurate are the online tools like Zillow?" In many cases, your home is likely worth more. If you own an outdated home, it will not likely appeal to some buyers. By meeting with a local real estate agent who provides a free market analysis, you find out a more realistic idea of your home's true value. According to an article by The Tampa Bay Times, the online data bases contain flaws, even though sites claim homes sell within 5 percent of their estimates.
Putting the site...
Losing a home to a foreclosure is a heartbreaking low point for a lot of homeowners. But there is an easy way to turn the situation around. When it comes to how to save your home from foreclosure and rescue your finances, start with a real estate agent experienced with quick sales. Selling your home quickly for an adequate price often rescues your home and allows you to pay the mortgage company what you owe. According to an article by realtor.com, receiving a foreclosure notice or "notice of default" is not a hopeless situation.
Figuring out what you owe
A good real estate agent will give you a free market analysis of your home so you know how much money you will likely receive from a sale. Ask your agent about inexpensive ways...
Most potential home sellers in Omaha, understand they will likely have to pay one-time closing costs after the home sale. But few consider the horrendous carrying costs or expenses that recur as part of the monthly upkeep. One of the main advantages of hiring a real estate agent is the time factor. A real estate agent helps you sell your home quickly so you save on the carrying costs and the pile-up of bills that include the mortgage payment, property taxes, utilities and other costs. By working with an experienced Home Team real estate agent, you often save tremendous money on carrying costs as well as avoid the emotional drama of living in limbo. Consider a few of the reoccurring expenses that take away from your actual profit at the closing table. Even people who flip homes for a profit worry about carrying costs.
The mortgage payment itself
For many first-time homeowners, unexpected maintenance and repair costs can really put a damper on the finances. The good news is that there are some simple steps new homeowners can take to reduce their long-term maintenance costs and keep their homes well taken care of.
Purchase a Home Warranty
Upon negotiating the price of the home with the seller, it can never hurt to ask for the seller to throw in a home warranty with the cost of the home. These warranties can vary greatly in their coverage, but they can include anything from common appliance repairs and service to HVAC inspections and tune-ups. Even if you already purchased the home without a warranty, it's never too late to buy one for yourself.
Tackle Small Projects Yourself
For smaller projects around the house, such as painting jobs or other jobs...
It's January in Nebraska, and that means we're all feeling the bite and chill of Winter. January is especially brisk, with an average high of only 34.2 degrees and an average of 7" of snowfall every month. While it's tempting to bundle up and stay indoors, the great city of Omaha and its surrounding neighborhoods certainly aren't doing that!
Here are 5 of our favorite ways to stay warm this January in the big O.
Snuggle Up in Front of A Big Screen
Sure, you can always go see something available nation-wide at a huge multiplex that's going to charge $20 a ticket and be your general run-of-the-mill, nothing special experience. Or, you could hang out at Film Streams and catch not only local indie flicks, but nationally accredited documentaries, and even old favorites (Iron Giant, anyone?).
Grab Some Seriously Tasty Donuts
In a market where homes seem to be selling the moment they are listed, it may be tempting to forgo hiring a real estate agent, and try your hand at selling your home yourself. Certainly, selling your home on your own will save you from paying a sizable commission to a realtor. Unfortunately, not knowing the in's and out's of the real estate game may work against you, and may end up costing you more than a realtor's commission.
Assuming you are not a full-time real estate agent, selling your home will be almost a type of second job. In other words, look forward to spending most, if not all of your free time, responding...
It may seem like there’s always something going on as a homeowner, from silencing a squeaky hinge to unclogging a temperamental toilet. But many household problems can be easily fixed without calling a repair service.
A can of WD-40, a toilet plunger and a bottle of vinegar are great basics to keep on hand for easing sticky fittings, clearing the toilet and making short work of common stains. Here are some simple fixes for common home problems that even the non-handy can handle:
Banish that annoying squeak by sprinkling a little talcum powder over the noisy area and brushing it into the cracks.
Removed stubborn stains by combining equal amounts of cream of tartar and baking soda with enough lemon juice to make a paste. Rub the mixture into the stain with your fingers or a soft...
Unauthorized credit inquiries are a sign that someone has fraudulently applied for credit in your name. They can hurt your credit score and make your financial life more difficult until they’re removed from your credit report.
A credit inquiry is a record that your credit report was accessed because you submitted a credit application somewhere.
The Fair Credit Reporting Act defines who can be granted legal access to your credit. These include you, a court order if you’re alleged to have caused credit damage, debt collectors, lenders, employers (with your permission) and insurance underwriters.
An unauthorized credit inquiry is when your credit is being used fraudulently by someone, such as running up a lot of charges quickly....
According to the National Kitchen and Bath Association, granite countertops are in less demand today, while the use of quartz is on the rise.
Why? For one thing, man-made quartz countertops are offered in a far greater range of looks and feels. Reason number two: it’s a bit easier to maintain over the long haul, and it’s deemed a better environmental choice because it emits lower levels of radon—a potentially cancer-causing agent. To be fair, the Environmental Protection Agency (EPA) maintains the radioactive materials in granite countertops are far too minuscule to pose a health threat.
So what, exactly, is a quartz countertop? It’s made of engineered stone, composed of at least 90% ground-up quartz mixed with a binder (like resin) then molded into a slab. Because pigment is added during the manufacturing process, the sky’s the limit when it...
If you’re planning on designing a new garden, patio or outdoor living space in the future, you’re likely going to work with a landscaper. Aside from the cost of the project, there are some important conversations you should have with your landscaper before they break ground. Here are four questions to start with.
Can I see examples of your work? It’s an error to assume someone will get your design ideas without seeing past examples of their work. They likely have a stack of examples, so all you have to do is ask.
How long will the process take? Make sure to have a clear time window (dates are preferable) so you know how long your landscaper expects the job to take. This will also help hold them accountable should the project run longer.
When will the plants reach maturity, and what will that look like? ...