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Archive for the ‘3 – CLIENT RESOURCES’ Category

The 2012 Report is in and dozens of Virginia, Maryland and D.C. schools made U.S. News & World Report‘s list of the highest ranking high schools. To produce the report,  21,776 public high schools were analyzed in 49 states and the District of Columbia. This is the total number of public high schools that had 12th-grade [...]

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Americans would rather see their dentist or visit their in-laws than spend time manicuring their lawns – with the exception of that 7% who would give up about anything to keep their lawn beautiful and actually enjoying it :-) The remaining 93% would rather do just about anything than mow, fertilize, and perform other lawn [...]

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More than 200,000 underwater home owners with mortgages through Bank of America may be eligible to have a reduction in the amount they owe on their loan, which could possibly trim their monthly payments by up to 35 percent. Bank of America has sent letters to home owners who may be eligible to take part [...]

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It doesn’t have to cost a fortune to improve a home and make it more sellable, according to HomeGain’s 2012 National Home Improvement Survey. . HomeGain surveyed nearly 500 real estate professionals nationwide to determine the top do-it-yourself home improvement projects that offer some of the biggest bang for your buck when selling a home. “In [...]

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Worldwide, real estate prices have made large gains over the last five years, which has raised fears in many countries about brewing housing bubbles. In the last five years, China alone has seen prices soar more than 110 percent. The sudden spike in home prices has led the government take several efforts to try to [...]

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A healthy weed-free lawn is possible without the pesticides or harmful chemicals. Here are a few reasons to cut out the chemicals: Pesticides are poisons and therefore harmful to human health and the environment. Pesticides can reduce the biological activity in the soil, resulting in slowed natural decomposition and leading to thatch. Pesticides and synthetic [...]

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More Americans are showing a preference for living closer into the city than the outer suburbs, according to newly released U.S. Census data. The annual rate of growth in American cities and surrounding urban areas recently surpassed exurbs for the first time in two decades. . Residential exurbs on the edge of metro areas once [...]

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Northern Virginia Public Schools: http://viviannerutkowski.wordpress.com/category/2-re-buyer-resources/nova-schools/ Directs links to Public Schools in  Fairfax County VA, Loudoun County VA, Prince William County VA, Arlington County VA, Fauquier County VA: http://www.realtorviviannerutkowski.com/schoolinfo.shtml . Living in a high-scoring public school district can raise home values up to $205,000 higher compared to homes located in neighborhoods with low-scoring school districts, according to a new [...]

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Springtime is the best time to give a home a fresh coat of paint, according to the Paint Quality Institute. “By painting in moderate weather, you’ll likely get a longer-lasting paint job,” said Debbie Zimmer, paint and color expert for the Paint Quality Institute. Zimmer said that exterior painting is best to do when temperatures [...]

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Most of us know the housing bubble of 2002-2006 and the subsequent housing crash that followed in 2007 was caused by the deregulation of the lending industry by the government, which brought into the market many sub-prime lenders offering no-downpayment-interest-only-loans,  ARM loans and option ARM loans, and other “exotic” loans. This easy credit and availability [...]

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As the number of people living in a household expands, builders are responding and tweaking home designs to meet the growing needs of multigenerational households. . In recent years, the number of grown children moving back with their parents and the number of elderly parents moving-in with their adult children is increasing, causing more households [...]

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What a difference a few years make. With interest only loans gone, with no money down loans gone (with exception of VA loans) and lenders going back to more conservative lending requiring 10%-20% down for conventional loans ( FHA loans require 3.5% down), a growing number of families are moving in together, which sometimes means [...]

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Many home buyers complain that one of the biggest hurdles they face is qualifying for financing. So what are some ways that home shoppers can ensure they qualify for a better mortgage deal — particularly one that takes advantage of the near record-breaking low mortgage rates? A recent article at Money Magazine highlighted some of [...]

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An annual check-up on your homeowners insurance can result in a healthier policy and a healthier pocketbook. What type of coverage do I have? The most effective type of coverage is known as “replacement cost,” which covers, up to your policy limits, what it would take today to rebuild your house and restore your belongings, [...]

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An error in CLUE insurance report can increase homeowners insurance premium or even prevent from getting coverage at all. What is C.L.U.E.? C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy. https://personalreports.lexisnexis.com/fact_act_claims_bundle/landing.jsp . [...]

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Fifty-one percent of Americans in a recent poll say that if their financial situation were to improve, they’d buy a home. Coming in second on the list of wishes, 23 percent said they’d make repairs or improvements to the home they already have, according to the poll of more than 1,400 Americans conducted by the [...]

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The National Association of REALTORS® has won a challenge to the use of its trademark REALTOR® in a domain name operated by the website GayRealtor.com  NAR rules allow members to use its trademark REALTOR® in domain names according to specific requirements and rules. After extensive but unsuccessful efforts by NAR to persuade the operator of [...]

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Every year when the daffodils start blooming, it is time to think about the spring home cleaning. I’m certain you keep a Green Home as much as possible and here is your another chance to protect the environment this spring with GREEN Spring Home Cleaning. ENJOY this annual rite of home ownership! Let’s start with [...]

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More than 4 million homes have been lost to foreclosure since 2005 and many of those former home owners are now ready to purchase again. Some banks have guidelines that prevent them from issuing loans to people with a foreclosure or short sale in their credit history in some cases for as much as seven [...]

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Lenders do, on occasion, forgive some portion of a borrower’s debt in the short sale. The general tax rule that applies to any debt forgiveness is that the forgiven amount is treated as ordinary income and the borrower must pay tax on the forgiven amount.  The amount forgiven is treated as taxable income to the [...]

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