Homeowners need to be aware of the applicable rules, regulations and ordinances required by their local municipality and/or Homeowners Association when it comes to home and property modifications and improvements. Remodeling your kitchen, finishing your basement, putting up a fence or placing a shed [...]
I recommend a complete audit of your homeowners, automobile and life insurance policies at least once every two years. Insurance rates are market driven like everything else we pay for. They go up and down based on the conditions in the market place. Have [...]
Your property tax record provides a snapshot of your home’s basic specifications including lot size, square footage, number of bedrooms and bathrooms, etc. Your homes annual property tax assessment is based on these specifications. If you have any questions or notice any discrepancies, in your [...]
1. Interest Rates Lender advertised mortgage rates are usually the rates for the highest qualified buyers (credit score above 740) and in many cases with a 20% down payment. Serious buyers should always confirm the loan type and current interest rate for that loan, [...]
Is your single largest investment (your home) going up or down in value? There is no exact, black and white, formula to answer this question definitively. Each property is unique and each of my client’s life situations is unique. That said a review of [...]
I want to share a few thoughts/mindsets on personal use auto costs. Unless there is a fundamental change in our society, which is unlikely, the cost of purchasing, fueling and maintaining our cars will be with us our entire lives. With this fact in [...]
I want to share some basic Information on a topic I call “Life Documents.” A “Life Document” could also be referred to as a “Legal Document.” The outline below is by no means an all-inclusive list. It is a brief review and reminder regarding [...]
Your current mortgage interest rate can usually be found on the monthly or quarterly mortgage statements you receive form your lender. In some cases you can call the toll free number on your statement to confirm your current rate. Things to consider before [...]
Your homes “Equity” is equal to the difference between what you currently owe on your home (total of all property liens) and its current value. Two of the most common ways home owners can access a portion of their homes equity is to apply [...]
The Centre County Association of REALTORS, Multiple Listing Service is where all members REALTORS place their new listings. It is the system that REALTORS use to share complete and detailed property information with each other. The vast majority (unofficially 99%) of all the information [...]
