While you’re dreaming about your Starter Home, don’t forget that you’re going to need a Starter Mortgage to pay for it. The mortgage programs offered through the Department of Housing and Urban Development’s Federal Housing Authority can be easy ways for borrowers with limited or lightly bruised credit to enter the housing market with confidence.
Every morning, it’s the same thing. You get out of bed, take a shower, burn the toast and then curse the smoke detector. Although its singing the song of its people can be incredibly loud and awful to hear, the truth is that smoke detectors save lives. So, while your smoke detector may sing way off tune, it’s trying very hard to protect you and your family from smoke- and fire-related hazards, like your morning toast.
Just imagine it! Waking up to the sound of sea and surf pounding the sand right outside your very own home. You don’t have to call ahead for reservations, you don’t need to ask anyone for a key or have a check-out time. It’s all yours to do with as you will, and you’re going take advantage of it constantly because now you own your very own vacation home.
In the Internet Age, it seems like almost anything is possible. There are cars that can drive themselves, microwaves that you can talk to and, of course, smart thermostats. For the average homeowner, that last one might not sound all that special, but there’s really a lot of "neat" coming out of that weird little thing that hangs on your wall and controls the complicated HVAC system in your home.
For the third time this week, you’ve found yourself cursing the unusability of your kitchen. The drawers come out in all the wrong directions, the cabinets are so shallow that you can barely use them and the entire layout just puts you off. You’re ready to talk about a kitchen remodel.
You didn’t do anything different, but all of a sudden the garbage disposal is smoking and water is backing up in the sink. Is your plumbing possessed? Should you just set the whole house on fire and run? The answer is almost certainly no. What you may have, though, is a plumbing emergency on your hands. After all, that sink is pretty important and the reasons it’s backing up could be many.
You’ve finally done it! You bought the house of your dreams and closing is just around the corner. Then it occurs to you. Your aged and creaking futon, cement block and raw lumber bookshelves and that one lone chair in your kitchen might not be anywhere near enough furniture for the new space.
There you sit, watching “The Vanilla Ice Project” on the DIY Network when a thought bubble forms over your head. If Vanilla Ice can remodel houses on television, you could probably save yourself the expense of a pro home stager and take the job into your own hands. Your Realtor will be so impressed that she’ll probably put it on her Instagram account right away.
Whether you’re in the process of buying your first home or you’ve been a homeowner for years, there are few phrases that hit right to the bone like “mortgage insurance.” Why, you’re not sure entirely, but lots of people indicated that it was terrible and you were going to regret it.