Monthly Archives: March 2018

Foolproof Advice For Home Improvement Projects

Home improvement has the exceptional benefit of improving your home’s value. Updating and maintaining your house is also a good way to make it energy efficient and to save money. Not only does home improvement often make financial sense, it can be a great way to pass the time, too. The terrific ideas below can be just the start you need.

If you can, put in actual wood flooring rather than laminate. Laminate looks like real wood but it cannot be refinished. In 10 or so years you or whoever owns the home will be required to get a whole new floor rather than refinishing it.

If you have the available funds you should choose real hard wood floors rather than laminate. While laminate flooring looks like wood and requires less maintenance and cleaning, you cannot refinish this type of flooring. In another decade or two, you or another owner will find it necessary to install new flooring rather than simply refinishing.

You can use drywall mud to add texture and visual interest to your walls. This will also cover up any nicks or blemishes. Adding texture to your walls can be so simple. Use a trowel to apply the joint compound, and then dab with a sponge, brush, or a crunched up newspaper to add some texture.

When it comes to older homes that have carpet throughout the household, you get many years of use and wear, which leaves outdated mess and stains. In contrast, wood floors carry a timeless elegance and are also sturdier than carpet.

A design philosophy that many people are using is the age-in-place design strategy. Age-in-place is a design philosophy which considers the homeowner’s age over the amount of time they own the home. No matter how long you plan on staying in your house, these additions will make your home a more comfortable place to live.

Try to determine in advance the amount of paint you will need for any painting job. Don’t guess about the costs because that can end up costing you big time. Take your time and simply measure what you are painting.

To help you stay on top of home improvement projects, start a budget for repairs, upgrades and other house-related expenses. Your home will look better and stay trouble free if you actually spend a little on it each year. If money is left over at the year’s end, it can go toward more home improvement work in the days to come.

Never underestimate the important of a quality door. It’s both the first, as well as last, sight of visitors to your home. Heat can be lost through a misinstalled door. And if you’ve got older locks or frames, these could be a security risk.

If your home is in a dry area that is prone to fires, you should consider buying white or red cedar fences. Cedar is good because of its safety with regards to wildfires.

Simple renovations are a great place for a beginner to start. The tips in this article will help to guide them to success. The accomplishment you feel will be worth every second spent.

How To Get A Refund From Your House After Foreclosure

Many homeowners don’t comprehend this, but there are many rules in place that keep your lender from taking advantage of you, while they are foreclosing on your home. Every day, I hear: My bank just wants to take my home because it’s worth more than the payoff. In some cases, this may be the case, but by law, your mortgage company must sell the home for its fair market value and pay you any proceeds over and above the amount owed. Lenders may try and take advantage of the fact that most borrowers don’t know the laws when it comes to foreclosure, but we’ll help you understand your rights and hopefully get some money back if you’ve lost your home.

The main issue we’ve seen is when lenders accept an offer on the home as quickly as possible, just to pay off the mortgage. After the foreclosure and eviction, mortgage companies seem to forget about following the laws. For example, lets assume your home is worth $300,000, but your total payoff is only $275,000. Your mortgage company has a legal responsibility to sell the home for it’s fair market value, which is $300,000. This would leave $25,000 for you. What usually ends up happening is the bank accepts the first offer they receive of, lets say, $250,000, then they sue the home owner for a $25,000 deficiency judgment.

In a case where the bank has a legal responsibility to pay $25,000 to the homeowner, instead they end up stealing the home and suing the homeowner for an additional $25,000. There is absolutely no reason the homeowner should have to pay for the the lenders neglect to sell the home at a fair price.

If you are in the process of having your home foreclosed on, or if you have already lost your home to foreclosure, then it’s urgent that you know the appraised value of your home. You may be owed thousands of dollars, in the event your home is, or was, sold for less than it was worth. There are many cases where previous homeowners have gotten settlements in excess of $50,000! Knowing your rights and the laws when it comes to facing foreclosure is likely one of the best ways of avoiding foreclosure altogether. If you didn’t understand your rights and you were taken advantage of, there is a chance you can get your home back, or at least sue the lender for their misconduct.

A great way to get the value of your home is to is to get a full appraisal from a local, qualified appraiser. However, this can be quite costly, since you are/were facing foreclosure. It’s also hard, after a hardship, to justify throwing good money after bad. My recommendation is to get a estimate from a Realtor or Property Valuation from another qualified source. Our website can provide you with a good local company if you need one. I strongly discourage using a website service that give value quotes, because they are rarely accurate and do not take the condition of the home, or improvements into consideration.

When it comes right down to it, if your lender acted illegally when foreclosing on your home, or sold the home afterwards for at a lower price than they should have, then you need to do something about it! We can not just sit back and let the lenders get away with such misconduct and taking advantage of helpless consumers. Take action immediately and we’ll help you force your lender to answer for their wrongdoings!