November 2012 Newsletter


6 Ways to Get a Great Mortgage Deal
By Ismat Sarah Mangla 

Finding an affordable house is no longer a problem but qualifying for a mortgage can be. Six tips to getting a mortgage and a good rate. Put your credit on ice. The higher your credit score, the lower your rate: The best rates go to those with a 760 or more, says credit-score expert John Ulzheimer.

Read more, click HERE!

To read the entire newsletter, click HERE!

Popular posts from this blog

Living a Life of Gratitude

Image
What are you grateful for?  How do we live life and be grateful every day? I am always trying to live my life with Gratitude but always need a reminder. Well, I am sure you have heard a few really good tips to living a grateful life like;  Keep a journal near your bed and either before you go to bed or right as you wake- write 4 to 5 things that you are grateful for.   Keep an empty jar nearby your work area and write down something you’re grateful for every time you feel stressed out (or perhaps when you say a certain phrase). Vow to not complain, criticize, or gossip for 30 days at a time-- If you slip, rally your willpower and keep going. Notice the amount of energy and TIME you were spending on negative thoughts and actions. We all have said it; “time is precious”, “time is money”, “time goes so fast when you are having fun” And many wise people have tried to warn us; Time is what we want most, but... what we use worst. ~William Penn  ...
Read more

Tips to get your home staged to sell- 2021

Image
 In this day and age- with HGTV and all the fuss made about homes it is so important to have your home staged... so here are a few tips from the pros to get the most bang for your buck!   Maximize Curb Appeal Getting them through the front door starts at the curb. Manicure the lawn, trim the trees and shrubs. Pull weeds and plant some colorful flowers. Clear the walkways. Fix peeling paint and wind up that hose. Paint the address number on the curb. Make Repairs to Visible Blemishes Is there something that’s an eyesore, but an easy fix? If looking at it bothers you, it could bother a potential buyer and reduce the appeal of your home. Replace burnt out light bulbs, fix that loose door handle, make needed paint touch-ups. Make a Buyer’s Entrance Inviting Freshly paint the front door with a color that contrasts the house. Add a new welcome mat. Hang a fresh wreath on the door. Let the Light Shine In Removing heavy window coverings to let in the natural light we all cra...
Read more

Things you can write off on your taxes when buying a home

Image
  Buying a home can be very expensive. First there's the down payment. Then there are closing costs, including fees for an appraisal, inspection, and title search. And once you own it, the expenses continue to add up, with everything from maintenance to taxes and insurance. There are some tax benefits to owning a home, though. Tax-deductible homeowner costs can reduce the amount of income tax you have to pay. What is a tax-deductible expense? A tax-deductible expense is one that you can deduct from your adjustable gross income (AGI) when you file your taxes for the year. Deducting these costs reduces your taxable income, and the lower your taxable income, the less you'll pay in taxes. When looking at potential homeowner tax deductions, it's crucial to know the differences between standard and itemized deductions. A standard deduction is a specific dollar amount that reduces the amount of income on which you're taxed, based on your filing status, age, and other...
Read more