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5 Power Saving Ideas That Can Lower Your Energy Bill

How to Save Money on Energy Costs in Your Home Many communities in California and around the US are seeing their energy costs increase; sometimes dramatically. Whether you are energy conscious or just trying to save money, there are many steps you can take to lower your Solana Beach home bills while helping the environment at the same time. Below are several energy-saving measures to help you save money either in your current house or future residence.  Heating and cooling Keeping your home at a comfortable temperature uses more energy than anything else. To save energy, install a programmable thermostat…
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Clever Tips for Paying Off Your Home Mortgage Faster

Paying off the mortgage on your Solana Beach home faster not only means that you'll be able to enjoy the peace of mind that comes with completely owning your property sooner, but you may also save thousands of dollars in mortgage interest payments over time. Below are seven clever tips to help you get your mortgage payments on the fast track. Save for a large down payment Make as large of a down payment as you can reasonably afford. The more cash you can put down, the less you'll have to borrow from the bank. This will reduce your monthly…
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What’s Ahead For Mortgage Rates This Week: February 11th, 2013

Mortgage rates worsened last week in response to more indications that the U.S. economy and global economic trends are improving. Global economic data was stronger than expected; which generally boosts investor confidence and leads to higher mortgage rates in California and across the country. According to Freddie Mac, the average rate for a 30-year fixed rate mortgage was 3.53 percent with borrowers paying all of their closing costs and 0.8 percent in discount points along with a full complement of closing costs. The U.S Department of Commerce reported that Factory Orders for December improved over November; they rose from 0.0…
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When Can You Buy Real Estate After Foreclosure?

If you lost your Solana Beach home due to foreclosure, you probably haven't given up on the dream of owning a new home. The good news is that a number of guidelines have changed which may allow  you an opportunity to buy that new home sooner than you think.   There are a few guidelines that lenders follow to determine when you’ll qualify for financing after foreclosure. Arming yourself with this information may help you qualify again for a mortgage. Foreclosure With Extenuating Circumstances Generally, lenders will take into consideration any extenuating circumstances surrounding the foreclosure on your California real…
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