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Avoiding Bankruptcy Bankruptcy occurs when your liabilities exceed your assets or when you have an insufficient cash flow to service your debt. In other words, bankruptcy happens when you don’t have enough money to pay off your bills. Declaring bankruptcy has many consequences and can affect your credit for many years. If you feel that you are on the verge of this, here are a few things you can do to avoid having to declare bankruptcy. See what you can sell Do you have unopened or unused items that have just been collecting dust on your shelves? Consider putting those...
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Superstitions Superstitions don’t stop with black cats and walking under ladders. In fact, there are plenty of superstitions across all different beliefs that have to do with your home. Here are 13 superstitions that relate to your home. Avoid unlucky numbers Number thirteen is a well-known unlucky number, but did you know that it isn’t the only one? The number four is considered unlucky because it is pronounced similarly to the Chinese word for death. Additionally, the number seventeen is thought to be unlucky throughout Italy since the Roman numerals, XVII, are an anagram from vixi, which translates to “I...
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Home Construction Savings Finding the perfect house can be difficult. If your home search is coming up empty, you may want to consider constructing your own home. As you may imagine, building a home comes with more costs than buying an already constructed one. However, here are a few things you can do to cut down home construction costs. Expand up rather than out You can start your saving by simplifying your home design. Excavation and foundation are typically the most significant costs when constructing a home. The more a home goes out, the more foundation you need to construct....
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The Mortgage Process Have you ever wondered about what steps your loan goes through before closing? Wonder no more! Here are the steps your loan goes through before you close. The loan coordinator Once you finish the application, the loan coordinator takes care of getting everything in order. They make sure that the following items are in order: Employment history Credit Minimum documentation Residential history Loan amounts Attorney, title, and HOA If everything is in order, the loan coordinator registers and locks the file and sends it to be disclosed. If not, the file will get sent back to the...
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Home Renovation Mistakes A home renovation is a big project to take on. If you are planning on doing a renovation, here are ten mistakes you should avoid making. An unrealistic timeline Construction projects almost always take longer than expected. Usually, this is due to unforeseen obstacles, such as work time, weather conditions, and the time taken to get materials. Make sure to build extra time into your project schedule. This will save you stress if you go over what time you allotted for the project. Cheap materials As the old saying goes, you get what you paid for. If...
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Luxury Homes During your real estate search, you may have come across the term “luxury” or maybe you’ve been watching a lot of Million Dollar Listings. Either way, the term luxury seems to appear a lot, but what exactly does “luxury” mean? What makes a home luxury? In real estate listings, luxury is all about the details. If there’s nothing to back up the word luxury in the home’s description, this is a red flag. This usually means the agent is just aspiring for the property to be luxury rather than it actually being luxury. Here are some qualities you can...
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Flipped House Questions If you’ve ever watched HGTV, chances are you know what it means when someone says a home has been flipped. For those that don’t, a flipped house is one bought at a discount either because of the property’s condition or the seller’s need to move quickly. The investor then makes any necessary repairs or renovations and puts it back on the market for a higher price than they bought it for, reflecting the work they put into the house. If you are thinking about purchasing a flipped house, here are some questions you should ask before purchasing....
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Low Appraisal An appraisal is an estimation of a home’s value. But what happens when an appraisal comes in under the home’s selling price? Here’s how to deal with a low appraisal. Why do low appraisals happen? The first thing you must ask yourself is why the home appraised for less than the home’s sale price. There are a number of reasons why this may occur. Some of the most common are: Declining market values due to fewer buyers and a larger inventory of homes Incorrect evaluation by the underwriter Overpricing by the seller Fallout from a lot of foreclosures...
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Choosing a Contractor Are you thinking about remodeling a portion of your home? Before you do, you have to make sure you are hiring the right contractor for the job. To make sure you have the perfect person, follow these steps. Get recommendations First things first, get recommendations from trusted friends and family. Afterward, look at the National Association of the Remodeling Industry for a list of members in your area. In addition to these two sources, you can talk with a building inspector or your local lumberyard. They will know who meets code requirements and who buys quality materials....
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Home Inspection Mistakes A home inspection is an essential step in the home buying process that shouldn’t be overlooked or rushed. Here are some common mistakes buyers might make during the home inspection process. Not getting an inspection Most people know to get an inspection when buying a home from another person. However, many buyers tend to skip an inspection when they are buying a new construction. No home is completely devoid of issues, even new constructions. You should also consider extra inspections needed for your property, should it include things that are not included in a normal inspection. This...
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