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KAREN HART, GRI, e-Pro, REALTOR® (DRE License Number 01719106)
PMZ Real Estate
1120 Scenic Ave
Modesto,  CA  95350
209.613.1347
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Should I Refinance?

Estimate Payments
Fixed or Adjustable?
Should I Make Extra Payments?
Will I Qualify?
How Much Can I Afford?
KAREN HART, GRI, e-Pro,
REALTOR®
PMZ Real Estate
1120 Scenic Ave
Modesto,  CA  95350
209.613.1347
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
12 Compelling Reasons to Choose PMZ
1. The Market Leading Brand
PMZ Real Estate Agents sell over $2 billion dollars in Central Valley real estate annually, making PMZ the Number 1 Real Estate Brand in the market.

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It still pays to remodel
The home-sale market has taken a beating in the last few years, which begs the question: Does it makes sense financially to invest in home improvements? ...more
 
Mortgage payoff in a divorce
DEAR BENNY: My wife and I are in the process of getting a divorce. I am prepared to give her the family home so that our children will not be disrupted any more than they already are. I know that our mortgage lender will not relieve me of our joint obligation to make the monthly payments, but hopefully that will not be a financial problem for us. We have been advised that a lender can use the "due on sale" clause in the mortgage documents to block this transaction. Can this happen? --Tom ...more
 
How pros drill through masonry
When it comes to drilling holes in concrete, concrete blocks, stone and other masonry, using a standard drill can be a real exercise in futility. The rotary motion of the drill bit -- even a carbide-tipped masonry bit -- is simply not sufficient to power through tough masonry surfaces. ...more
 
Fixing to sell: Don't go overboard
Fixer-uppers with upside potential were in high demand when the market was appreciating at a fast pace. Once depreciation took over, speculators disappeared until 2009, when low-end foreclosure properties in some areas became hot properties -- particularly if they were selling at a 50 percent discount from the peak in summer 2006. ...more
 
Find property problems before you buy
To avoid a bad experience that could end up in a legal battle with the sellers over property problems, make sure your purchase agreement includes an inspection contingency. ...more
 
Not all buyers are worth a counteroffer
After mustering the emotional energy to make an offer on a listing, it can be devastating if you hear nothing back from the seller. ...more
 
How does your garden grow?
If you’d like to have a garden, but think you don’t have the space, think again. Urban gardening techniques are allowing small-space gardening to take root in unlikely places, such as balconies, raised planters, roofs, windowsills, and postage stamp-sized backyards. Condominium dwellers and homeowners alike are getting their fingers dirty and growing their own produce, succulents, and flowers in these tiny slivers of dirt. ...more
 
What is post-consumer content?
What is it? ...more
 
Transferring loan on inherited home
DEAR BENNY: I recently inherited my mom's home, valued at $136,000. Unfortunately, she had a home equity line of credit (HELOC) on it for $66,000. Apparently, a relative talked her into getting this loan to start a small business. Of course she was stuck paying the loan, and the payments are current. ...more
 
 
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