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Since 1958, MMI has been a leading provider of financial counseling and education services. We invite you to learn more about the organization and its leadership.
According to experts, 2017 is going to be the biggest year ever for home remodeling projects. If you think it’s about time you finally got around to that remodeling project you’ve been dreaming of, first consider the following tips for making the most of your investment in your home.
Unfortunately, most young renters don’t know what to look for, what questions to ask, or what is expected when renting an apartment. So here are tips to help make finding and occupying your first apartment much less painful.
Considering purchasing your first home? It’s not a decision to take lightly, but thankfully there are a few early signs that can help you determine if you’re ready to become a homeowner.
Apparently the folks at the Federal Communications Commission (FCC) aren’t big fans of debt collection robocalls, either.
Conventional wisdom used to be that buying a house was always better than renting, but reality is a bit more complicated than that. What's best for you? Let's take a look at all the factors involved.
Some financial problems can't be solved with a better budget. Sometimes you need the charity of others to make it through. Here are 15 resources that may be able to assist you in a financial emergency.
Interest rates are almost guaranteed to go up before the year is over. How will that increase impact you and your money?
Some landlords don’t make it seem very challenging, but in truth, owning a rental property isn’t for everyone. Here are some basic questions you need to ask yourself before jumping into the fray.
MMI is proud to offer a new housing counseling service as part of the the Home Ownership and Equity Protection Act.
You know that feeling when you lock eyes with a special someone and you know it's just meant to be. Sure, you don't know if you actually have anything in
common, but the butterflies in your stomach don't lie!
Actually, as we all know, those butterflies DO lie. And if you're in the market to buy a home, you should never succumb to this love-at-first-sight
In fact, according to Nick Jabbour, vice president of Nest Seekers International, while it is easy to walk into a home and fall in love, you should visit
at least five properties before signing any contracts. After all, the last thing you want is buyer's remorse after investing in a home.
So what's the solution? Rather than making your decision based solely on emotions (I'll allow you to have a few; I'm not completely heartless), you should
gather as much information as possible about each property you visit.
To make it easier, we've created a checklist of points you need to know before
deciding which house is the best investment.
How Long Has the Property Been For Sale?
You should ask your real estate agent how long the home has been on the market. Robert Irwin, author of Tips and Traps When Negotiating Real Estate, says that if a home has been on the market for an extended period without a single offer, the market
could be slow or the home may be overpriced.
Use Comparisons to Determine the Value of the Home
A real estate agent cannot tell you the amount you should offer on a home. Instead, you should request to see sales that are comparable to the home you are
Find Out Detailed Information about the Area
You can find a wealth of information on online about crime statistics, home values and the average income level of an area. Also, take a drive through the
neighborhood at different times of the day and night. How far is the home from your place of employment? Is it a feasible commute?
What Effect Will Moving Have on Your Insurance Needs?
Because you are moving to a larger, more expensive home, your insurance needs will increase to compensate the additional property. This is something that
you need to consider before purchasing the home. One of the best ways to estimate your insurance costs is to use an insurance cost calculator.
Get a Home Inspection
Once you are about to make an offer get a home inspection. If the home has
already had an inspection, ask to see it and read it carefully. Make notes of anything that concerns you and speak to the owner about it before making your
Some of the issues a home inspector can spot include problems with:
Ask if there is a Homeowners Association (HOA)
If there is an HOA, you need to request a copy of the rules and regulations. Some HOAs only allow specific types of fencing, shed designs and, if you own
an RV, the HOA may not allow you to store it on your property. Be sure to read the rules and regulations thoroughly. You also should inquire as to yearly
Don't Forget the Final Walk-Through
On your final walk-through, make sure that the owner has completed any agreed upon repairs. Now is the time to check all the little things:
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