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Guide to Buying Mid-Century Modern Homes in San Diego

Guide to Buying Mid-Century Modern Homes in San Diego

Unlike many areas of the country, the San Diego real estate market isn’t known for newly constructed homes. Instead buyers have a much larger selection of mid-century modern homes from the 1950s and 1960s across many of the city’s neighborhoods. The style really took off after World War II when San Diego was growing. Some of the greatest architects and developers of the time, including Lloyd Ruocco and Joseph Eichler, have made their mark in San Diego. But many more lesser known builders also created stunning mid century modern homes in San Diego with a much lower price tag. Now that these homes are 50+ years old buyers have to make special considerations before putting in an offer. The list below outlines what to look for to find a truly unique home that’s a part of San Diego history and worth the list price. Homes With Mid Century Modern Features Over the years some mid century modern homes were updated, which detracted from the characteristic features that the style is known for. Most of the time updates are a good thing, but when buying mid century modern homes the more original it is the better. Some of the features to look for include: ·  High ceilings with beams ·  Floor to ceiling windows that connect the indoor and outdoor... Read Full Story


Latest from Rikk Miller, Financial Writer

Rick is a financial writer. He is associated with several financial communities.
His expertise is woven around various aspects of the real estate industry. He is a financial writer who excels in writing finance articles.

Home Repairs and Bad Credit

Home Repairs and Bad Credit
By: Rickk Miller, October 10, 2015

A homeowner or home buyer who lacks funds to repair a house may obtain a home improvement loan to reduce out-of-pocket expenses. A home improvement loan can pay for small cosmetic fix-ups to larger renovation or construction projects. Homeowners tend to prefer home improvement loans to other credit types, such as credit cards or personal loans, because these loans are secured by the home itself. The interest rate on a home improvement loan can be lower than a credit card annual percentage rate or personal loan. Short-Term Home Improvement Funds People with bad credit may need a loan to complete home repairs or small renovations. Bad credit may force the homeowner to live on a cash basis, but some repairs can be costly. Using a credit card to complete a home improvement project might be necessary. Although obtaining a home improvement loan with excellent credit is a simple task, people with lower credit scores have difficulty getting approval. Loan denial is the likely result for the homeowner with bad credit. Payday loans can help homeowners get the money required to complete repairs or projects. Bad Credit Loans Some lenders don’t make lending decisions entirely on the borrower’s credit score. If the borrower has equity in the home, the lender may be able to find a way to help. The homeowner with equity in the property can provide security for a loan, and this fact allows lenders to offer home repair loans to people with less than perfect credit.Self-employed homeowners, or those who are in arrears on their mortgage or home loan, may benefit from these loans. However, some homeowners have taken equity from their homes in the past and... Read Full Blog Post

The Importance of Hiring an Estate Attorney

The Importance of Hiring an Estate Attorney
By: Rickk Miller, September 19, 2015

Estate planning may be a painful process for many as it requires us to face our mortality, but it is absolutely crucial if you want to protect your assets. Bluntly put, protecting your estate is serious business. One wrong move can completely ruin the entire direction of your will. It is therefor highly advised that you hire an exceedingly qualified estate planning attorney at law in Los Angeles. Below are a couple of points that should help you understanding of the true importance of hiring an estate-planning attorney. First and foremost, you need to ask your self several important and very serious questions before meeting with your estate lawyer. As mentioned in an article from Forbes Magazine, some of these questions include: Who will raise your children is both parents pass? Are there any other descendants that you have not considered? What are all of the important relationships that you have in your life? Have you ever made a gift of over $13,000 a year? Did you sign a prenuptial or postnuptial agreement, or a community property agreement? These are just few of the basic questions you need to ask yourself. They may make you cringe, but it is necessary for your estate lawyer to know every one of these details to help you achieve the best of situations. Secondly, every state has very specific laws when it comes to what you can/cannot establish in a will, who can/cannot be a witness and what regulations must be examined before one signs the will. In some states, it is not possible to place one in your will if they are not related to you by blood or marriage. When you... Read Full Blog Post

5 Expert tips for a college student who is planning to buy a home of his own

5 Expert tips for a college student who is planning to buy a home of his own
By: Rickk Miller, September 8, 2015

Are you someone who is a college student with moderate level of student loan debt and who is planning to buy a house of his own? If you don’t owe huge levels of student loan debt and if you have some savings and a reliable job, investing in your home is something that you can try in order to enhance your personal wealth. We usually see a lot of coverage that is given to the slow rate of Millennials buying homes but there is no news of a graduate who has shown interest in investing in a real estate property. Student loan debt doesn’t have as bad an impact on your credit score as credit card or auto loan debt. However you have to ensure that you have the ability to repay the home loan on time after managing all your other payments. Here are some tips for the recent graduates. Pay down high interest debt: The higher are the interest rates on your loans, the higher is the priority that you should give to repay that account. If you owe a certain amount on your credit cards, take immediate steps to pay them down before the interest rates multiply and take a huge shape. The sooner you repay high interest debt, the sooner you can improve the chances of grabbing a deal on your home. Watch out your debt to income ratio: One of the biggest factors for people who don’t get a loan is a high DTI ratio. When you have too many debt defaults in accordance with your income, you will have a high DTI ratio and this is when the mortgage lender won’t allow you... Read Full Blog Post

Get Property Management Company Offer Advertising Service Effective for Your

Get Property Management Company Offer Advertising Service Effective for Your
By: Rickk Miller, August 25, 2015

Owning rental property can be a steady source of passive income. However, the joys of property ownership also comes with a great deal of responsibility and the potential for an even greater headache when tenants are involved. Working with a property management company can help those who own commercial, singe family residential, multi-family, or retail space reap the benefits of leasing their property to tenants with minimal headache. The following points are reasons virtually any property owner who wishes to become a landlord should consider using a property management company. Shorter Vacancy Periods People who purchase rental property often do not realize the amount of concentrated effort that is required for success. First, the landlord must prepare the property to make it attractive to prospective tenants and maximize the amount of rent they can realistically ask. The landlord must also determine the best rent rate. Ideally, the rent should not be so high that the property will sit on the market until a tenant who is willing to pay the requested amount comes along. The price should also not be so low that the landlord loses money on the investment. Property management companies are able to make cosmetic recommendations to improve the appeal and value of a property. They also typically handle pricing, marketing the property, and showing it to prospective tenants. Better Tenants A reputable property management company will offer property advertising service and an effective tenant screening process. By screening tenants thoroughly upfront, landlords are more likely to rent their property to people who will pay on time, are less likely to destroy or cause excessive wear and tear on the property, and who will generally rent... Read Full Blog Post

Does the housing market still bear scars of the Recession or is it on the path of recovery?

Does the housing market still bear scars of the Recession or is it on the path of recovery?
By: Rickk Miller, July 30, 2015

It has been a very odd year for the US housing market! The year started off with the Polar Vortex that was blamed for slowing down home sales during the initial part of the year. As we’re gradually nearing 2016, the National Association of Realtors expect sales of previously owned home to fall short of 2015, while according to the latest data, sales of new home show an improvement of just 2.8%. We all know that the housing market and the ups and downs have a direct impact in the mortgage market as well. Whenever there’s a positive improvement in the housing market, there has to be a noteworthy development in the mortgage market too as people usually tends to take out more mortgages when they get favorable conditions to purchase their dream home. The recession might be over years ago but the scars are still remaining in the housing market. Take for instance the homeownership rate. In the year 2005, the homeownership rate in America was around 70% and today it stands at 64%, the lowest level that this nation has seen since 1994. However, the good news for sellers is that the demand for homes is again back and the prices of homes are continuing to rise. But for the homebuyers, especially the first time homebuyers, inflating price tags are not a positive change. Apart from rising prices, the issues of rapidly rising rent, sluggish growth in wages and huge amounts of student loans are coming in the way of American Dream. Housing predictions for 2015 now that we’re halfway through the year At the beginning of the year 2015, there have been so many predictions but... Read Full Blog Post


Latest from Mark Healey

Mark is a content development specialist who enjoys researching and writing about various topics. He is passionate about the digital space and is involved with promoting and distributing beneficial content throughout internet communities.

Increase Your Home’s Value with a Home Gym

Increase Your Home’s Value with a Home Gym
By: Mark Healey, January 14, 2016

American obesity is still on the rise, and it’s becoming increasingly important for us to become more health-conscious. The most important thing that we should be doing is watching what we eat. As the old adage goes, “you are what you eat,” and America’s public shows that’s true. Aside from watching what you eat, you should also take the time to get regular, moderate exercise. Combining these two ideas will help you lose weight and feel better about yourself. Working out is imperative and the exercise helps boost your immune system to fight off viruses, bacteria and other maladies. For many of us, working out in a gym is intimidating. Both men and women can suffer from a lot of potential problems— from insecurity issues with how we look, to how much we can lift and how heavy we are. Due to this problem, more homeowners are building their own home gyms. Not only does this make working out a much easier task, it can even increase the aesthetic value of a home. If you are considering building a home gym, there are a few initial steps. First, you’ll need to figure out if you want to convert an existing room into your home gym. If you can’t convert an existing room or your garage, a new addition is another option. Certainly building an additional room will be an expensive project, but it will increase the value of your property enough to justify buying new exercise equipment for your home gym. It’s important to note that if you want to build a home gym correctly, make sure your new addition has relatively high ceilings. This will give you more range when... Read Full Blog Post

When the stuff inside your house becomes “home”

When the stuff inside your house becomes “home”
By: Mark Healey, December 29, 2015

To a little kid, a move is exciting: it’s an excuse for a newly decorated bedroom, new toys and new neighborhood friends. But to anyone else, a move sometimes signifies leaving more than it presents the opportunity for novelty.But for anyone who spent their childhood (or adulthood, or anything in between) moving, it’s not the house that stores the memories, like many of us think. Quite often, it’s the things inside the house that are filled with meaning and hard to let go of. What makes a “home” Instead of the walls of the house, it’s the dresser set that traveled with the family during each move, and stood next to your bed in each new bedroom, and the dining room armoire holding Grandma’s china that really hold the memories. They’re the constants in pictures, in the background of the home videos, and the things that fill memories. Redecoration can help On top of the furniture that travels to each house, with each new home, the opportunity to redecorate and buy new things will always exist, a process that adds to the memories. A chest bought in one city might stand next to a sofa bought in another, both undoubtedly with their own stories and memories. While moving can always be an excuse to clean out the house and purge what isn’t absolutely necessary, it’s really an exercise on deciding what’s important and meaningful and what should be taken by a Boston junk removal company. Move after move, the less important belongings will be naturally filtered out, and the important will stay, making an appearance in another room in another house. Things to leave behind The things left behind... Read Full Blog Post

Moving is Expensive: Here are 5 Tricks to Cut Costs

Moving is Expensive: Here are 5 Tricks to Cut Costs
By: Mark Healey, August 11, 2015

Everybody knows that moving is one of the most stressful events in a person’s life. Changing environments, a new office, and the process of packing could make any one go crazy; and that’s without looking at the financial impact of a big move. Use the following tips to reduce the fiscal burden of your next move. DIY This is the first and most obvious way to move without overspending. Find a quality truck rental company and move all of your belongings yourself. If you are staying in town then use pizza and beverages to inspire your friends to help you move. The cost of a nice lunch for your friends will be significantly less then hiring a mover. Make sure to choose a group of friends that you trust though. A careless friend could break something important or expensive without the means to reimburse you. You should also be aware of your liability if anyone is hurt on your property helping you move your stuff. This is the cheapest option; but tread carefully. If the move is sloppy and your walls get dinged up with dollies and boxes, you will need to hire a One Day Painter to get the house back in shape for it’s next inhabitants. Go local Some times doing it yourself with a move is just not possible. Some objects are hard to move like pianos and pool tables and require professional help. The best thing to do in this circumstance is go local. Hire a Professional Mover to help execute the move without damaging your belongings or property. Cut costs by buying the boxes and having everything ready to load when the movers arrive!... Read Full Blog Post

Moving Safety 101

Moving Safety 101
By: Mark Healey, June 19, 2015

Moving from one house to the next is one of the most exciting and stressful undertakings you will do in your lifetime. While there is obviously a lot to think about such as organization, timing and budget; one thing that is too commonly overlooked is safety. Safety is the most important aspect regarding moving, especially when heavy furniture and stairs are involved. If you choose not to hire a Massachusetts moving company use these tips to avoid adding stress or a hospital visit to your next move. Clear Pathways The fist step you should take to ensure no one is hurt during your move is to clear all walkways in and out of the house. When moving heavy furniture people often walk backwards and if they were to trip over anything it would be an absolute catastrophe. Remove all hazards from these walkways to ensure no furniture (or bones) get broken. It’s a good idea to call you’re a professional junk removal company prior to moving day to get as much junk out of the way as possible. Pack Smart While it may seem counter intuitive, the best way to pack is by putting larger, heavier items (such as books) in the smallest possible box. Instinct tells us to fit as much of these items as possible in one large box. The issue is that to many heavy items in one box could lead to muscle injuries for anyone helping you move. By placing lighter items in the biggest boxes and vice-versa you can keep all the boxes a similar, manageable, weight. Be Prepared This means have the right equipment for the task. A dolly is an invaluable asset... Read Full Blog Post

Interview: Local Agent Thoughts On Housing Market Downturns

Interview: Local Agent Thoughts On Housing Market Downturns
By: Mark Healey, June 4, 2014

We wanted to find out how real estate agents cope with market downturns or even seasonal market changes so we went out and interviewed a Realtor that has been in the business for quite a long time. Bill Gassett, a top Franklin Massachusetts real estate agent has been selling homes for nearly thirty years. He is a RE/MAX agent located out West of Boston that has been through both up and down markets and everything in between. We thought Bill would be the perfect candidate to answer some of our questions. What type of challenges do realty agents face during a recession or economic downturn? One of the things that is almost always affected in a recession is the real estate market. In most cases the real estate market follows what is going on in the economy. If the economy is rolling along the real estate market typically follows suit. Conversely the market will also be affected negatively is the economy is not performing well. Two things that can have a dramatic affect on the real estate markets performance are interest rates and the stock market. Both of these forces however can have varying effects on different types of buyers in the market. For example interest rates are more likely to have a greater impact on first time home buyers as a rate can really change a buyers purchasing power. The stock market on the other hand has a very powerful influence on those who are more wealthy and are heavily invested. Many luxury home buyers will be completely swayed whether to purchase a home based on how well their portfolio is performing. Each of these things of course... Read Full Blog Post


Home & Garden

How A Trampoline Is Helping To Set New Industry Standards In Safety

How A Trampoline Is Helping To Set New Industry Standards In Safety
By: Rickk Miller, February 10, 2016

If you’ve spent any time with a trampoline, you know how much fun the experience can be. There is nothing quite like bouncing into the air, doing flips and spins, and soaring high above the ground, the earth falling away from you. But if you’ve read the news lately, you also know that trampoline injuries are on the rise in Australia and this is mainly because of government safety standards that don’t evolve with the times. The good news is that one trampoline company has singlehandedly revolutionized the industry, and while calling for improved standards, they have also dedicated themselves to designing and manufacturing the world’s safest trampoline. Father and mechanical engineer Dr. Keith Alexander decided that fun and safety did not have to be mutually exclusive, and his initial ideas were the brainchild for what has now become the new standard in trampoline design and manufacture. Unlike traditional trampolines, Springfree Trampoline uses flexible composite rods in place of dangerous metal coil springs and they are hidden under the stretched mat surface, which means that no jumper will ever come in contact with them. Like fishing rods, these rods bend with the weight of the bouncer and guarantee a safe experience. The SoftEdge™ mat ends where the FlexiNet™ enclosure begins, meaning that there is no hazard between the end of the mat and the safety net. The FlexiNet™ is also strong enough to guide a 250 lb. adult jumper safely back to the mat or down to the ground without knocking the trampoline over. The metal frame, like the rods, is hidden beneath the jumping surface as well, which further insulates bouncers from harm. Old-fashioned, traditional springs-and-frame trampolines have... Read Full Blog Post

Home DIY: Protecting Your Privacy With the Beauty of Decorative Window Film

Home DIY: Protecting Your Privacy With the Beauty of Decorative Window Film
By: Rickk Miller, February 2, 2016

Most people want extra privacy protection, whether they live in the heart of a city or in a dorm. If you like your privacy, here’s what you need to do to make sure that nobody snoops on you when you least expect it. Buying Window Film and Curtains Window films sold by a 3M Window Film Dealer could give you the kind of privacy you’re looking for. A window film is a semi-transparent or opaque film that does not allow people to see inside your home. They are applied over the surface of the window and are held in place with a special adhesive made for window glass. Films come in a variety of textures and colors. Some films even have thermal insulating properties so you can save energy while protecting your privacy. Window films are also great for reducing energy costs, eliminating glare, reducing fading risk for carpets and furniture and great decorative pieces. The only type of curtains that will provide privacy are thick, light-blocking, curtains. Make sure they are certified to block all light – not all curtains are capable of doing this, even thick curtains. Unless it specifically says “light blocking,” don’t buy it. You won’t be satisfied with the results. Choose a curtain rod and curtains that are made for your size windows (it will say on the package what size the rods and curtains fit). Where To Use Privacy Film Privacy film can be used almost anywhere in the house. For example, you could use it on your sliding glass doors, especially if those doors are in the bedroom or the dining room. While everyone loves to have a clean home, and sparkling... Read Full Blog Post

Three Easy Ways to Improve Your Home’s Security

Three Easy Ways to Improve Your Home’s Security
By: Rickk Miller, January 29, 2016

Part of being a homeowner means making sure that your home is secure and that the belongings inside of it are protected from burglars and other criminals. According to the U.S. Department of Justice, the year 2014 alone saw 1.7 home burglaries occur, totaling homeowners over $3 billion in damages. Whether you’ve been burgled before and want to improve your home security so that it doesn’t happen again or simply want to ensure that your property never becomes a target, here are some easy things which you can do to improve the security of your home and deter any criminals away. Home Security Systems A full home security system such as those offered by ADT might seem costly, but they’re a great investment to make if you don’t want to worry about burglars and other criminals breaking into your home and getting away with it. Home security systems include burglar alarms, surveillance and monitoring equipment, and other extras to ensure that your home is fitted with everything it needs to deter criminals away. Upgrading to a smart system gives you the option to remotely monitor any activity in your home whilst you’re away through a smartphone, tablet computer or app. Good Lighting Burglars tend to target homes which are dark and poorly lit as this gives them more of an opportunity to hide whilst sneaking around, and they have much less chance of being spotted and caught. Ensuring that the exterior lighting of your home doesn’t leave any hiding places for thieves and other criminals is simple to do, yet one of the most effective ways to warn burglars to stay away. Many homeowners opt for motion-sensor exterior lights... Read Full Blog Post

Protect Your Home with These Five Security Tips

Protect Your Home with These Five Security Tips
By: Rickk Miller, January 25, 2016

When it comes to home security it can be easy to become complacent, but anyone who has ever been victim to a burglary will know that there is no such thing as too conscious. Your home is the most important possession that you own, and keeping it and the contents within it secure is of prime importance. Advances in digital technology have paved the way for a new generation of home security tools which allow you to control and monitor your property remotely usually via apps on devices such as smartphones or tablets, giving you around the clock peace of mind. Of course it’s important to remember that common sense is one of the best defences against crime. Exterior Lighting Criminals prefer dark areas which are easier to hide in and pose less of a risk of being noticed; therefore keeping the exterior of your home well-lit is an important step to take for home security. Many homeowners use security lights with motion sensors, however experts claim that this kind of light can often increase the fear of crime by activating for little reason. Instead, low-level LED outdoor light fittings which stay on from dusk till dawn are recommended in order to deter thieves and vandals. Upgrade Locks Locks are a vital factor when it comes to home security. In order to achieve the maximum level of protection on both the front and back doors of your home, the Metropolitan Police recommend that they be fitted one third of the way up with a five-lever mortise deadlock, and an automatic deadlocking rim a third of the way down. Locks should meet British Standards and be fitted by a trained... Read Full Blog Post

Storing the Furniture for your New Home

Storing the Furniture for your New Home
By: Rickk Miller, January 22, 2016

Most people move out of one home and straight into another, and of course, this is the best approach to moving house. Everything is relatively straightforward. Your move takes just one day, and you do not have to worry about storing your furniture or belongings. However, sometimes you get stuck between houses. Perhaps the deal falls through, but you decide to go ahead and sell your house. Maybe you are waiting for the builders to finish or perhaps you have just inherited a fully furnished home. In any of those situations, you could find yourself with a lot of furniture and nowhere to keep it. If that happens to you hear are a few ideas to help you to find a practical storage solution. Lease a small industrial unit It is sometimes possible to find small industrial units to let in London with short-term leases. Typically, these are leased by start-ups as a way of getting a toehold in the capital. For a homeowner with lots of large items to store, leasing one of these could be better than going down the traditional private storage unit route. These units are big. Therefore, if you have a car you want to store too, often you can find one with a door that is large enough for you to get your vehicle in. Often leasing one of these for a year will work out far cheaper than paying rent on several storage units. Ask friends and family Another option is to ask your friends to store some items for you. It will mean that your furniture will be spread around different places, but it can be a cheap way of doing... Read Full Blog Post





Money & Investment

5 Expert tips for a college student who is planning to buy a home of his own

5 Expert tips for a college student who is planning to buy a home of his own
By: Rickk Miller, September 8, 2015

Are you someone who is a college student with moderate level of student loan debt and who is planning to buy a house of his own? If you don’t owe huge levels of student loan debt and if you have some savings and a reliable job, investing in your home is something that you can try in order to enhance your personal wealth. We usually see a lot of coverage that is given to the slow rate of Millennials buying homes but there is no news of a graduate who has shown interest in investing in a real estate property. Student loan debt doesn’t have as bad an impact on your credit score as credit card or auto loan debt. However you have to ensure that you have the ability to repay the home loan on time after managing all your other payments. Here are some tips for the recent graduates. Pay down high interest debt: The higher are the interest rates on your loans, the higher is the priority that you should give to repay that account. If you owe a certain amount on your credit cards, take immediate steps to pay them down before the interest rates multiply and take a huge shape. The sooner you repay high interest debt, the sooner you can improve the chances of grabbing a deal on your home. Watch out your debt to income ratio: One of the biggest factors for people who don’t get a loan is a high DTI ratio. When you have too many debt defaults in accordance with your income, you will have a high DTI ratio and this is when the mortgage lender won’t allow you... Read Full Blog Post

Does the housing market still bear scars of the Recession or is it on the path of recovery?

Does the housing market still bear scars of the Recession or is it on the path of recovery?
By: Rickk Miller, July 30, 2015

It has been a very odd year for the US housing market! The year started off with the Polar Vortex that was blamed for slowing down home sales during the initial part of the year. As we’re gradually nearing 2016, the National Association of Realtors expect sales of previously owned home to fall short of 2015, while according to the latest data, sales of new home show an improvement of just 2.8%. We all know that the housing market and the ups and downs have a direct impact in the mortgage market as well. Whenever there’s a positive improvement in the housing market, there has to be a noteworthy development in the mortgage market too as people usually tends to take out more mortgages when they get favorable conditions to purchase their dream home. The recession might be over years ago but the scars are still remaining in the housing market. Take for instance the homeownership rate. In the year 2005, the homeownership rate in America was around 70% and today it stands at 64%, the lowest level that this nation has seen since 1994. However, the good news for sellers is that the demand for homes is again back and the prices of homes are continuing to rise. But for the homebuyers, especially the first time homebuyers, inflating price tags are not a positive change. Apart from rising prices, the issues of rapidly rising rent, sluggish growth in wages and huge amounts of student loans are coming in the way of American Dream. Housing predictions for 2015 now that we’re halfway through the year At the beginning of the year 2015, there have been so many predictions but... Read Full Blog Post

Americans are still struggling with mortgage debt – Tips to pay off your mortgage earlier

Americans are still struggling with mortgage debt – Tips to pay off your mortgage earlier
By: Rickk Miller, July 29, 2015

Reports say that there are certain homeowners who are still reeling from the after-effects of the Great Recession and it may take around a decade for them to recover. According to a real estate company Zillow, the percentage of underwater mortgages, where the worth of the home is lower than the mortgage, has been seen to drop with the recovery of the housing market but more than 5 million US homeowners owe to their banks at least 20% more than the worth of their homes, which totals to $579 billion in the form of negative equity. Homeowners have reportedly said that remaining underwater would likely be the toughest to set themselves free from negative equity. On the other hand, the rate of underwater homeowners is way much higher among the homes that carry the least value and this has been noticed by using data from credit bureau, TransUnion. In Atlanta, 46% of the low-end homeowners were all underwater as compared to 10% of the high-end borrowing homeowners. In Baltimore, 42% of the low-end homeowners had negative equity as compared to a small 9% of those who owned houses of higher value. Then what’s the good news? You must be wondering about the good news among all this negative news of the US housing industry. It has been seen that there were 15 million homes with underwater mortgages during the peak moment of the housing crisis. However, this negative equity rate dropped down to 15.4% of all homes with mortgage loans in the first quarter, that was down from the rate of 18.8% during the same period last year. Hence, it is being seen that the rate of negative equity... Read Full Blog Post

Get Loan Even With Bad Credit

Get Loan Even With Bad Credit
By: Rickk Miller, July 26, 2015

Financial problems are sudden and definitely unfortunate. This is the main reason why people feel the need to take necessary precautions before it is too late. This precaution is to have the necessary amount of savings so that you have the required back up in case of any emergency. Thanks to the various financial institutions, they come handy in helping us come out of our financial crisis because sometimes savings is not good enough to salvage the situation. These are the times when you need to take the help of financial institutions in order to avail for a loan. The other major problem that people face is the fear of getting their loan request rejected. The reason for that being their bad credit score. Bad credit scores have a major negative impact on your credit history leading to the inability to avail loans in the future. Bad credit score already implies that lenders are viewing you as a high risk customer. However, this does not mean that there is no silver lining behind the dark clouds. There is still scope for you to avail loan, in case you are unaware of what they are, then allow us to inform you about the same. Use the Home Equity Line of Credit – It is because of the housing bubble that many homeowners actually owe more than what their home was actually worth. The only way you can do something good in this situation is when you have a home equity against your property. The best form of equity that you can have for your home would be a low interest and tax deductible line of credit that will allow you... Read Full Blog Post

Tax Lien Sales: Tips for Leveraging a Home Buying Opportunity

Tax Lien Sales: Tips for Leveraging a Home Buying Opportunity
By: Rickk Miller, April 29, 2015

Most people just buy a home straight up from a real estate agent or realtor. But, for the savvy shopper, this isn’t enough. If you’re obsessed with getting a great deal, then you’re probably looking for something along the lines of a Tax Lien. It’s the best deal in town, except when it isn’t. Here’s how to leverage a tax lien when buying your next home and avoid getting burned. Tax Lien Basics Tax liens are basically government liens against a property owner for non-payment of property taxes. You don’t want to be on the receiving end of one of these. But, as an investor, it’s how you pick up properties a for a discount. tax deed investing program is one of the more famous on the Internet, and it shows you all the ins and outs of the investing aspects of this process. So, basically, when a property becomes delinquent on taxes, the county will sell a tax lien certificate to an investor as a way of recouping the losses to the government. The private investor then becomes the creditor who must collect on the homeowner. The property owner still owns the property, however. The lien holder is entitled to repayment for the amount of the tax lien certificate, plus interest. If the property owner doesn’t pay up, then the investor can foreclose on the property and take ownership. This isn’t something most people want to do but it’s an option. Now, if the lien holder doesn’t move forward with foreclosure within the time period specified by the government, the lien will be forfeited and the investor loses his money. Tax Deed Basics Tax deeds are a bit... Read Full Blog Post