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Bonnie Fagoh
May 2006
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Which Repairs Should You Make Before the Sale? If you're preparing to place your home on the market, it's inevitable that you'll need a couple of minor repairs and slight improvements before that "For Sale" sign can be driven into the front yard. Practical projects like a fresh coat of paint require little time or money but can make your home more attractive -- and more attractive homes are likely to sell faster and for more money. But what if an item needs repair, something which doesn't jeopardize anyone's health or safety -- a problem of the "out of sight, out of mind" variety. Should you simply disclose it and leave
Mortgage Rates U.S. averages as of April 27, 2006:30 yr. fixed: 6.58%15 yr. fixed: 6.21%1 yr. adj: 5.68%30 yr. jumbo: 6.98%-->
View current rates
the buyer to deal with the problem? Or should you fix it before placing your home on the market? Before making any decisions, consider that repairing the problem could result in a higher sales price. It's sweet
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Wondering What Your Home Is Worth?Let me show you.
Mortgage Rates, Points,and Fees Freddie Mac pushes a lot of numbers, and one of the numbers they push is perhaps one of the most widely published - their weekly interest rate survey. Freddie Mac has people who contact 125 lenders or so, get their rate quotes on different mortgage programs, specifically the 30 and 15 year fixed, 5/1 hybrid and 1-year ARM, then publish those averages for all to see. Not a bad way for the consumer to get a handle on just how their current or quoted interest rate stacks up with the rest of the country. Just this past week for example, the 30 year fixed rate average as reported by Freddie Mac was 6.58 percent, with 0.5 percent in points and fees. This means the "average" consumer in this poll got a 30 year fixed rate at 6.58 percent and paid $1,000, or 0.5 percent on a $200,000 loan, in either discount points or lender fees or any combination thereof. Okay, that's pretty neat by itself. Nice of Freddie to do that. Freddie has been doing this for a
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Considering Where ToBuy A Home? Children's Life Stages Crucial Children in elementary or junior high tend to prefer a suburban environment because it affords them greater freedom to go outdoors to play, and their friends are usually within walking distance, suggests Dr. David "DAK" Kopec. "They tend to view their environment in terms of exploration and immediate gratification." Suburban and rural environments are often preferred because they can be less structured and regimented, he says. "Here young people often have the choice of remaining indoors or going outside. This ability to go outside at will affords unique opportunities to develop gross motor skills and imagination. For example, a preadolescent might use a swimming pool as a place to pretend to be a mermaid or a dolphin. Another child might climb a tree, pretending to be an undercover cop conducting surveillance work. They might enjoy having a lawn to perform acrobatic moves in imitating their favorite action hero. Thus, spaces that allow for unstructured play such as a back yard is important for this age group." Dr. Kopec explains that while younger children can find hours of entertainment exploring nature,
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Questions You Should Ask About Property Taxes Property taxes are a major expense, one which often totals thousands of dollars per year. But property taxes are not the same for like properties or for every owner. Property taxes provide much of the revenue used to fund local and state governments. As property values go up, property tax collections also rise which means additional dollars are available for more public services -- and perhaps even for tax refunds. Alternatively, if property values decline, then government programs tend to be squeezed or there is pressure to raise income and sales taxes to make up for short-falls. How much you pay for property taxes depends on the value of your home and also local tax policies. In the usual case, a property value is established by government assessors. Once a value is set the tax rate is then applied. For instance, if the rate is $1.50 for each
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Daily News and Advice -->Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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Bonnie Fagoh E-mail: bonniefagoh@century21beggins.comWeb: http://www.tampacoastalhomes.com Cell: 813-390-7606
Century 21 Beggins Enterprises 813-390-7606 6542 U. S. Hwy. 41 N.Apollo Beach, FL 33572
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