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Pitfalls And Warning Signs Of Making A Down Payment

When you already have a home, you may be interested in determining if a refinance is a good option. You will not have to worry about restrictions on down payments or some of the problems that can occur with a down payment. However, if you are considering purchasing a home in or the surrounding communities, understanding down payment restrictions is important. Gifting Of A Down Payment There are some programs that will allow you to use a gift for your home down payment. However, before you assume this, make sure you talk to your loan officer. Generally speaking, the lender…
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5 Tips On Safely Hanging Those Christmas Lights

Christmas lights can be the most festive of holiday decorations, but actually putting them up can be a huge pain. With these easy step-by-step instructions, you can safely hang Christmas lights outside your house in no time. That way you can get back to what's important, family time. Buy Your Lights You'll need Christmas lights of course. There are a lot of options. You can get colorful lights or classic white lights. There are icicle lights, blinking lights, classic large bulb lights, and more. Just pick whatever looks good. Remember that consistency is important. Pick one or two types and…
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What’s Ahead For Mortgage Rates This Week – December 23, 2013

According to December's NAHB/Wells Fargo Housing Market Index, home builder confidence rose by four points to a reading of 58; this surpassed the consensus of 56 and November's reading of 56. November Housing Starts were released Wednesday and also exceeded expectations and the prior month's reading. 1.09 million housing starts were reported for November against expectations of 963,000 and October's reading of 889,000 housing starts. Building permits issued in November came in at 1.01 million and fell short of October's reading of 1.04 million permits issued. November's reading exceeded expectations of 990,000 permits issued. The week's big news emerged after…
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4 Safety Tips For Your Christmas Tree

It's Christmas time, it's Christmas time – which means it's time to get a tree for your home. Whether you get a real tree or an artificial one, it's also time to think about Christmas tree safety. Prevent A Fire Hazard There's a potential fire hazard that comes with real trees, a danger that's lessened with artificial trees, but artificial trees have their own safety issues.  For instance, those that spin on their bases shouldn't be left to rotate on their own. Make sure the motor is turned off whenever you leave the room. Even though safety precautions are more…
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