A hard money lender can provide financial resources for property owners who need a loan that is non-traditional. As hard money lenders are lenient on credit, qualifications for a cash loan are more relaxed than conforming bank products. According to the Bank Rate site,”They charge interest rates and fees that could make conventional borrowers cringe …
FHA-insured loans permit higher-risk borrowers to purchase homes. The lenders’ investment from the houses purchased with these borrowers is protected by the insurance — if a borrower defaults on the loan also goes into foreclosure, the Federal Housing Administration pays the lender an insurance benefit. In return, the lender transfers ownership of the property to …
The Internal Revenue Service levies an estate tax on assets passed to your heirs and beneficiaries after your death. Although the estate tax was repealed for 2010, it is going to come back in 2011 and could be continued in subsequent years. A unified credit exclusion of $3.5 million now applies to estates. Taxpayers with …
According to the Environmental Protection Agency (EPA),”The average household spends $2,000 annually on energy bills–over half of which goes to heating and cooling” Fortunately, in the past few decades a variety of licenses for green housing have been based on the state, national and local levels. Grants are offered for a variety of classes, including …
My baby daughter is just 3 months old, but I am currently considering a playspace for her because she gets old and begins to crawl and walk. Playrooms can be a challenge — kiddie items could be, well, ugly, and trying to corral toys with practical furniture often destroys your home’s aesthetic. However, I feel …
I am working on the complete renovation of a home built in 1895, also I am in the process of earning design decisions for significant rooms such as the kitchen and bath. My purpose is to create a space that is a nod to both the original Queen Anne design and age of the home, …
While doing a bit of online shopping recently, I discovered that many of the goods I discovered at the very best children’ retailers were items I’d love to see in my own grown-up spaces. Cool modern design, splashes of great color and on-trend products are not exclusive to Mother and Dad anymore. Here are some …
If you discover water pooling on the ground around the base of your dishwasher, odds are there is a issue with your inlet valve and your floating plug has neglected. The floating plug, also referred to as the float switch, inside the dishwasher is a safety device which ensures that the dishwasher will not overfill …
A brand new faucet adds convenience and appeal to your bathroom. Sometimes, the toughest aspect of replacing a bathroom faucet is removing a old faucet because the fittings beneath the sink are corroded. Professionals take this into consideration and spray everything with lubricant beforehand. Unless the sink is replaced, then choose a tap based on …
Hot tubs include a pump and pipes to filter , heat and recirculate water. In a typical hot tub, water is sucked in the tub through a filter by an electric pump, heated and returned into the tub under pressure. The pressure side pipes runs from the pump via the water heater, then in the …