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Home Owner News Archive


Surviving the Holidays: 10 Tips for Busy Homeowners

RISMEDIA, Nov. 30, 2007-Surviving the holidays is hard enough without having to think about how to care for your home. For a busy homeowner, remembering to clean out the gutters and downspouts may be at the end of the weekend "to-do" list, however, it's ...


Are special tax breaks available for historic rehabilitation?

Certified historic structures now enjoy a 20 percent investment tax credit for qualified rehabilitation expenses, if they are income producing properties. A historic structure is one listed in the National Register of Historic Places or so designated by an appropriate state or local historic district that is certified by the ...


What about state and local governments?

Just about every state now offers loans for renovation and rehabilitation at below-market interest rates through its Housing Finance Agency or a similar agency. Call your governor's office to get the name and phone number of the agency in your area. ...


Does the federal government offer home improvement programs?

Yes. Among the most popular:Title 1 Home Improvement Loan. HUD insures the loan up to $25,000 for a single-family home and lenders make loans for basic livability improvements - such as additions and new roofs - to eligible borrowers. ...


What kind of return can I expect from home improvements?

This will vary depending on the type of work that is done. Remodeling magazine publishes an annual "Cost vs. Value Report'' that can answer this question in more detail, based on the top 15 home improvements. A recent study it conducted says the highest remodeling paybacks have come from ...


What guidelines should I use to find a contractor?

Chances are you will need plenty of help making those major repairs and additions. But the last thing you will need is someone who fails to complete the job or botches it up. Finding good, responsible help is imperative. ...


Pre-Retirees May Overlook Healthcare Costs When Relocating

RISMEDIA, Nov. 28, 2007-When it comes to moving after retirement, Americans may be missing significant new costs, according to new national research from Longevity Alliance. The new opinion poll, conducted by Harris Interactive(r), found that U.S. adults aged 40+ who plan on relocating after they retire may overlook how their ...


What about appraised value and market value?

A certified appraiser who is trained to provide the estimated value of a home determines its appraised value. The appraised value is based on comparable sales, the condition of the property, and several other factors. ...


What is the difference between list price and sales price?

The list price is a seller's advertised price, or asking price, for a home. It is a rough estimate of what the seller wants to complete a home sale.A seller can price high, low---which does not happen very often---or very close to what they hope to get. A good way ...


Are there standard ways to determine how much a home is worth?

Yes. A comparative market analysis and an appraisal are the two most common and reliable ways to determine a home's value. ...


How do you determine how much a home is worth?

The short answer: a home is ultimately worth what is paid for it. Everything else is really an estimate of value. Take, for example, a hot seller's market when demand for housing is high but the inventory of available homes for sale is low. During this time, homes can sell ...


17 Tips for Making Your Country Place Safer

By Curtis Seltzer ...


How long do bankruptcies and foreclosure stay on a credit report?

They can remain on your credit record for seven to 10 years. ...


Can a home be sold for less than its mortgage?

Sometimes. But it is a complicated process and a lot will depend on the lender. ...


What types of foreclosures are there?

There are two types---judicial and non-judicial. A foreclosure that results from a court action is a judicial foreclosure. The mortgage deed or trust does not have a power of sale clause, therefore the lender, trustee or another lienholder must take the borrower to court to recover the unpaid balance of ...