Avoid Big Spending Before Buying a House

Buying a home is a very large purchase that many people will be paying off for decades to come. In order to look financially responsible in the eyes of lenders, it is crucial that you avoid other large financial decisions a few months prior to buying a home. That’s because your debt-to-income ratio won’t be in your favor. Today, let’s …

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Things to Consider When Purchasing a Fixer Upper

Some people like big projects. This is true for people looking to purchase a fixer upper. They don’t see the house as it is, but as it should be. Beware of your imagination though, rehabbing a house can cost you both financially and emotionally if done incorrectly. Today, let’s look at the things to consider when purchasing a fixer upper. …

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When is Refinancing a Smart Move?

If you are thinking about a refi, be sure to ask yourself some basic questions to learn whether the idea makes sense for you. Yes, there are many situations where a refinance agreement is in your best interest. Unfortunately, some home owners dive in too quickly, assuming that a refi is always desirable. It’s not! In fact, depending on your …

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For Sale: Elevated Hilltop Location at 214 Coneflower in Encinitas

Location, Location! Elevated hilltop location with panoramic Westerly hillside views. Enjoy ocean breezes and great sunsets! Quiet interior street. Close & convenient to beach, town, shops, restaurants. Award Winning Schools. Totally redone from top to bottom. Immaculate, charming, inviting cottage great for your next home, second home or investment property. The square footage does not include the beautifully integrated master …

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Homeowners: The 3 Things You Must Know About Water Heaters

If you own a home, or are just beginning to shop for a new one, water heater experts want you to know about new laws, the differences between traditional and tankless heaters, and the potential energy savings of solar systems. Hot water may seem like a mundane topic, but if you already own a home, you know that heating costs …

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First-time Buyers: The 10 Things You Must Do

Are you searching for your first home? If so, there are a few pointers in a recent US News article that you should note, especially if you are young and just out of school. Lenders look at the whole picture of your life when deciding on creditworthiness. It pays huge dividends to know about potential roadblocks in the process of …

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Buyers: Don’t Make These Common Mistakes

Here is a very helpful list of common mistakes that homebuyers make, especially if it’s their first time purchasing property. Thanks to Bankrate for these wonderful suggestions! If you have bought a home in the past, are you guilty of any of the pitfalls? Do a little bit of introspection and see if you can improve your “technique” the next …

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How Should You React to This Sign? (Hint: Run)

Practically every neighborhood in the U.S. features at least a few “Cash for Houses” signs, or similarly worded posters on telephone poles and elsewhere. (See photo above). The target market for such advertising consists of homeowners who want out of a mortgage that they still owe money on. For whatever reason, usually a poorly thought out one, sellers call the …

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Know Your Basic Mortgage Math

You don’t need to be a mathematician to learn the ins and outs of simple mortgage calculations. Do you know how to figure a mortgage amount, adjusted for any down payment you make? Can you then determine exactly how much interest you will pay over the life of the loan? These are key pieces of information that every home shopper …

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Linda Moore Receives President’s Premier award from Coldwell Banker

2014 was an incredible year, and I wanted to share this news with my readers. Recently, I received notification that I was a recipient of the President’s Premier award from Coldwell Banker. This award is given out to top sales associates, which places me in the top 1% out of all associates nationwide. I am truly honored and grateful to …

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