How To Make Your Home Appraise Higher

What Can You Do To Make Your Home Appraise Higher?If you are considering refinancing your current mortgage, the mortgage company usually (but not always) requires an appraisal. Here are some tips on how you can help your house appraise higher and show the true value of your home. Clean up the yard Appraisers are required to take pictures of the home. If you have stuff laying around the yar...
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Should I Refinance My Mortgage {Infographic}

Are you interested in a lower monthly mortgage payment? Maybe a refinance could be right for you. American Equity recently released a helpful infographic that could help you decide if a refinance is right for you.   While there are a lot of factors involved in your decision, it really comes down to talking to your loan officer about your situation and whether or not it's the righ...
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Avoiding Ransomware Attacks!

Avoiding Ransomware Attacks! What is “ransomware”? It’s a cyber crime where hackers hold your computer files for “ransom” and ask you for money to release the files back to you. When you log on to your computer, a screen will pop up, telling you that you cannot access your files unless you pay them money (they usually ask for a dollar amount to be paid in bitcoins so the money can’t be trace...
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Recycling Facts We’d Like To Share With You

Recycling is one of the easiest ways we can help save the environment. I wanted to share a few facts that made me realize the impact we can all have if we take the time to sort paper, plastic, and glass.   Paper By recycling just 1/10th of newspapers distributed, it would save 25,000 trees per year. The average household throws away 13,000 pieces of paper a year. That include...
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8 Things You Can Do to Spruce Up Your Yard

Trim trees and bushes: Stand in front of your home and take a good look. Are there any dead tree branches? Dead or scrawny-looking bushes? Can you see your home or it is hidden from view because of the over growth. Now go to your back yard and do the same thing. Get rid of stuff: Is there a ladder next to your home? Paint cans? Tools? Toys everywhere? Sometimes, it’s been there so long yo...
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Homeowner’s Insurance: 5 Ways to Saving Big Bucks

Your homeowner’s insurance policy is probably renewed on an annual basis and you get a copy of the updated policy in the mail. I know that reading an insurance policy is not high on your list of things to do, but here are 5 things to review to ensure that you are not paying too much — or have too little coverage. How much coverage do you really need? Don’t base your coverage on the apprai...
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7 Misconceptions About Your Credit Report

There are a lot of misconceptions about what information (about you) becomes part of your credit report. Some of it is “urban legend” — passed on from person to person — but not necessarily true. So here are 7 of them that I’d like to clear up for you.   MYTH – Your free credit report includes your credit score. TRUTH – most free credit reports do not include a credit score. You u...
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Get A CLUE! Why Every Homeowner Should Get This Insurance Report

When buying a home, the lender checks your credit report and credit score to see how you’ve paid your bills in the past. But did you know that when you buy homeowner’s insurance, insurance companies also run their own credit report (on you)? And in addition, there is a shared database among insurance companies called C.L.U.E. – or Comprehensive Loss Underwriting Exchange – which keeps a 5-year ...
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Why There Is a Shortage of Real Estate Appraisers

Normally this is would be an article that we send out only to realtors to help them understand the mysterious third party that can make or break their deal, but after writing it we realized that this information can be useful for all sides of the transaction. For as long as we've been in the business we've found a reliable bunch of appraisers to work with that will usually get an appraisal to ...
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Thinking About Selling Your Home? Don’t Overprice It!

I recently read an article about why sellers overprice their homes. You may not be thinking of selling your home any time soon, but I thought this was a good reminder that when it comes time for you to sell, the local real estate market usually dictates the price, based on similar types of homes in your area. But, sometimes sellers think that their situation and home is “special” and justify to th...
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