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Save Thousands of Dollars When Buying a Home
 

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13 Extra Buyer Costs You Need to Know About

 

This FREE no obligation report let's you know about 13 extra buyer expenses you need to know about before you start your home search.


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FREE Special Report "How To Stop Paying Rent and Own Your Own Home"
 

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Questions Real Estate Agents Hate
 

10 questions you must ask when interviewing an agent.

 

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Prepare Your Home to Welcome Old Man Winter

     Ice, snow and wind can have devastating consequences on the coziest of homes. Last winter alone there was over $1.5 billion dollars in insured losses due to burst pipes, frozen gutters and other weather-related disasters, according to the Insurance Information Institute (I.I.I.).
      "It is when the leaves start to turn and not when the snow is beginning to fall that homeowners need to get ready for severe winter weather," says Jayna Neagle, spokeswoman for the I.I.I. "A little time and effort in October or November can prevent the heartache of


Mortgage Rates

National averages as of September 29, 2000:

30 yr. fixed:   7.60%
15 yr. fixed:   7.25%
1 yr. adj:        7.03%
30 yr. jumbo:  7.95%

Source: Bank Rate Monitor


Get today's rates





burst pipes and other disasters when Old Man Winter brings snow, freezing temperatures and arctic winds.
      The I.I.I. suggests that homeowners



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Credit-Damaged Buyers Can Obtain Home Loans

     It's credit called by many names ranging from sub-prime, it's technical name to damaged, it's operative name. But in essence it means that even though a buyer has less-than-perfect credit, he can still obtain a less-than "A" grade loan---about the only type of risk-level mortgage available until a decade ago. Today, it's a whole new world. Many lenders have the ability to offer B, C, even D grade loans to credit-blemished borrowers' with a range of glitches from slow pays to bankruptcy!
      Why are these loans vogue today and how do they work? The lending community, in a move to seize other streams of income, realizes that sub-prime loans are a potential customized growth industry (if the lender has the knowledge and desire to take them on since they can be problematic to rate and to package to sell to investors.) And second, lenders realize that heavy credit coupled with life situations out of a borrower's control like illness, divorce and death have made picture-perfect credit all but non-existent. Wanting to make loans to all types of borrowers, customized credit lends flexibility and greater "rule-of-thumb" reliability when evaluating




Beating Sellers' Stress

     Three things are certain in life: death, taxes ... and undue stress caused by moving. And we're not just talking about packing and paperwork. Moving is an emotional process. If you're not calming down your nervous children, you're trying to reassure yourself that you bought the best house within your means and that your kids' new schools will measure up.
      Depending upon your relationship with your Realtor, you should be able to rely on him or her for more than just closing the deal. Your Realtor also should be able to calm your trepidations by giving you the support you need -- giving you the facts about that new school district, reassuring you that your jitters are perfectly normal, and giving you as much information about your new hometown as possible, increasing your familiarity with the previously unknown.
      Reserve time for yourself and your family. It's an insurance policy for your sanity and continued happiness. Stress is sneaky. It can eat away at us during what are supposed to be the happiest of times, because after all, any major change in life is stressful. If it's supressed, it can wreak havoc both emotionally and physically and spread throughout the family. And there's nothing worse than moving a grumpy family across the country. For family unity's sake, keep in mind the following stress-relieving measures:
      1. Remember that it's perfectly



Moving Day Etiquette

     Moving day stinks. There's no two ways about it. You've spent hours packing up and preparing for the arrival of your movers. Then you hold your breath as they begin the arduous process of transporting all of your worldly possessions from one place to another. You hope your furniture survives the journey and that your new home survives the move-in process unscathed. Few of us are able to claim that our homes or furniture didn't suffer a single scratch, that a mirror didn't break or that at least one item wasn't mysteriously lost in transport.
      Amidst all of the stress, we often overlook a few details of varying importance. You can't clone yourself or your family on moving day, but you can create a checklist of reminders. In fact, even if you're not a habitual list-maker, it's high time you started. Because a list is probably the only way you're going to get through your move without overlooking something you shouldn't.




Daily News and Advice


Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.



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House Hasn't Sold? Lease Purchase May Be the Answer
'Right of First Refusal' Clause May Provide Options You Need
 
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11 High Cost Inspection Traps You Should Know Weeks Before Listing Your Home For Sale
 

To help home sellers deal with this issue before their home is listed, a free report entitled "11 Things You Need to Know to Pass Your Home Inspection" has been compiled which explains the issues involved.


FREE Special Report - "The 9 Step System to Get Your Home Sold Fast and For Top Dollar"
 

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Divorce: What to Do About the House
 

Mistakes to Avoid When Selling Your Home as a Result of a Divorce.

 

 

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