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Real Estate

Category Archive for: ‘Real Estate’

  • Does Your Homeowners Policy Cover Rodent Damage?

    Finding out you have rats or mice in your home can be a shock, but they’re among the most common type of rodents around. Some home insurance policies will offer help in finding an exterminator if you discover you have unwanted guests, but you can [...]

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  • 3 Reasons Why Your Home Is A Crappy Investment

    Is your home an investment or just another place to live?  Many homeowners say that it’s an investment because it helps them sleep at night after sipping the Kool-Aid during the housing boom.   Well, I’m here to get in your face just a bit [...]

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  • Strategic Default: Is It Ever OK To Walk Away From Your Mortgage Even If You Can Afford It?

    Every where you turn there’s a new mortgage program out there for people unable to afford their mortgage for a variety of reasons.  Homeowners are spread thin, often a mile wide and an inch deep when trying to cover all of the costs associated with [...]

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  • Renters vs Buyers: 6 Reasons Why Renters Win!

    Most people see buying a home as a part of the “American Dream”, well for most it’s become a nightmare.  Buying a home is pretty much the best way to throw your money away and here’s why.  Renters win because they have the flexibility that [...]

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  • Is Your Mortgage Interest Tax Deduction On The Chopping Block?

    Hopefully you’ve been following the recent deficit reduction proposals by the commission in charge of finding ways to reduce the deficit.  No doubt, this is a difficult task for all involved which will invariably result in everyone tightening their belts in the unified attempt at [...]

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  • Is the 30 Year Mortgage Obsolete? I Think So + Canada’s Mortgage Model Examined

    I’ve been quietly watching different outlets discuss the possibility that the 30 year mortgage might just be out of touch with 21st century reality:  People just don’t stay in their homes for 30 years anymore thus making this American dream a nightmare for many. |Aside: [...]

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  • $15,000 Home Buyer Tax Credit Possible For All Buyers

    As you probably know the original $8,000 Home Buyer tax credit only applied to first time home buyers and capped the income of those eligible to purchase a new home using the $8,000 credit. The House (H.R. 1245) and Senate (S.1230) have presented the following [...]

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  • Do I Stay or Go? One Woman’s Struggle To Step Out On Her Own (Video)

    How likely are you to leave a bad marriage if you have no education or poor career prospects? I realize there may be other factors such as children, years put into the marriage and each party’s willingness to work things out. But let’s put that [...]

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  • Jingle Mail Revisted: Possible Bank Recourse And Borrower Consequences

    There’s been heavy talk recently around “walking away from foreclosures” and the devastating effect it’s having on banks and homeowners.  Jingle mail occurs when the borrower drops the keys in the mail and sends them back to the bank as final step in walking away [...]

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  • So You Want To Fire your Realtor? Rights, Penalties and Recourse Upon Termination

    What are your rights with regards to Realtor representation agreements? Did you sign a buyer representation agreement? A seller representation agreement? If so, or if you’re considering it, this article is for you. When we started the process of buying our home last year we [...]

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  • Debunking the Myth That You Need 20% Down to Buy a Home

    We all know conventional financial wisdom tells us we should put 20% down on a home, but I’ve always found it difficult to grasp hold of that theory especially now. I moved to DC in 20003 when the real estate boom was in full swing. [...]

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  • House Lust and our Marriage

    photo credit: Hamed Saber I got it bad! Everyday I search real estate listings looking at McMansions. I know that we don’t plan to be here for very long, but, my husband wants to be in Upstate NY upon our next move. I on the [...]

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  • Sounds of Foreclosure: “Jingle Mail”

    Picture this scenario, the mortgage company receives an envelope, what they believe will be this month’s mortgage payment, is actually the keys to the house instead. The homeowner has vacated the premises, sending in the keys as a sign of surrender, but this is really [...]

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  • Worst Hit Foreclosure Zipcodes: Are you on the list?

    CNN’s article Foreclosures: 100 Worst Hit Zip Codes certainly got my attention. I continue to be amazed at the steady increase of foreclosures across the nation. I keep asking myself, didn’t anyone think this would all come back to bite them in the arse later? [...]

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  • The Age of the Refi Renaissance

    Over the weekend I came across this article in The Washington Post, Lower Rates, Coming Resets: An Opening For Refinancing which discusses the onslaught of refinances due to the adjustable rate mortgages that are about to reset. Here are some of the more salient points [...]

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