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Double the escrow, double the pain
DEAR BENNY: I own a house worth approximately $400,000. The current mortgage is $25,000. A company in Florida took over the mortgage about six months ago. The mortgage company handles the tax and insurance payments through an escrow account. Given the current schedule of payments, the account will have a positive balance all next year. The mortgage company now wants to double the escrow payments.
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Insulation job hits peculiar snag
Q: We are currently having fiberglass insulation blown into our 1850s house. So far they have completed the attic and the second floor. They have drilled the holes in the first floor. Now they are telling us that they cannot find the rubber hose they need to complete the project and it is too cold for them to complete the project and we need to wait until spring. I would like to know if the cold weather is a factor and if you know what the rubber hose is called, which they claim they cannot find.
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FHA program funds fixers
Investors have been taking advantage of low interest rates and discounted prices to buy run-down foreclosure properties, sometimes 10 or so at a time. They fix up the properties enough to be rented until the market turns, which could take years. When the time is right, the investor puts the finishing touches on the improvements and hopefully sells for a profit.
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Buyers master contingent-sale offers
Most repeat homebuyers don't like selling their current home until they know where they're going. However, most repeat homebuyers can't qualify to buy before selling. So, how do you structure a contingent-sale offer so you get what you want without being homeless?
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CALIFORNIA ASSOCIATION OF REALTORS®
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Lori Uhl McClelland
REALTOR®
Realty World ~ Providence Properties
231 Pan Tempo Way
Hollister,
CA
95023
831.636.7890
831.206.2216
Contact Me
Visit My Web Site
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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.
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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.
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Presale inspections for smoother sales
Homes are selling for less. Everyone's trying to cut back. Yet, many real estate agents think it's wise for sellers to provide presale inspections for buyers to review before they write offers. Is the cost, which could run from a few hundred to $1,000 or more, worth the expense?
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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.
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