Another study, this one by the Urban Institute, shows the benefits of investing in a home and in fact, the earlier in life that your buy your first home, the wealthier you will be later in life. Through the mechanics of saving incorporated into your personal residence (using rent money to pay down your own […]
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One in six Gen Xers purchased a multi-generational home, overtaking younger boomers as the generation most likely to do so. Fully 52 percent of those buyers did so because their adult children have either moved back or never left home, according to the National Association of Realtors’ 2019 Home Buyer and Seller Generational Trends study, […]
I think the main reason gift letters are not used more often is that the buyer feels uncomfortable approaching family members for a “handout”, and possibly the obligation that goes with it. However, although the donor must state that they don’t require payback, there is nothing anywhere that says that the gift CANNOT be paid […]
As more and more baby boomers enter retirement age, the question of whether or not to sell their homes and move will become a hot topic. In today’s housing market climate, with low available inventory in the starter and trade-up home categories, it makes sense to evaluate your home’s ability to adapt to your needs […]
De-cluttering is not just something to do when you’re ready to move; it’s a process that will help you create more space and get organized. In short, you’ll simplify your life. This information will help you take control of your stuff, eliminate what you don’t need or use and appreciate the items you use and enjoy. While […]
This is a question I see so often, with answers from “It’s always a good time to buy” to “Whenever you’re ready to buy”, but very little in the way of factual information. I’ve tracked housing inventory levels in San Diego for years, which indicate how active the market is and whether we’re in a […]
If you implemented a credit freeze as a result of the security breach at Equifax, Fannie Mae has just announced that they will start underwriting loans with just two credit scores, rather than requiring scores from all three credit bureaus as they have in the past. Up to this point, if you wanted to get […]
According to HousingEconomics.com in a new study by Paul Emrath, Ph.D, the cost of government regulations in the price of a new home has gone up almost 30% in the last 5 years. Moreover, these costs are rising more than twice as fast as the average person’s ability to pay for it. Now, I’m sure […]
We all know that insurance costs tend to increase with inflation, but did you know that you may be able to lower your premium? Many insurance companies offer discounts for work done in the course of normal maintenance. Roof replacement, for a New Roof Discount Renovation Discounts for – the Plumbing System, HVAC System, Electrical […]
There’s a good chance that you have an error in your credit report – a 26% chance according to the Federal Trade Commission – and half of the time, those errors will impact your credit score. This is important because more and more areas of your life are credit driven: Whether you’re buying a car, […]