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Housing Crisis Programs

Posted in: Homeownership

The home-mortgage crisis in the United States has spawned problems in the mortgage, real-estate and banking industries, and many consumers now face mortgage-payment increases in the coming months that could cause the number of foreclosures to climb even higher. Here are two valuable resources for consumers in need of help with t...

To Rent or Buy or a Home? 4 Factors You Need to Consider

Posted in: Homeownership

To rent or to buy? It’s a question most consumers ponder at one time or another, yet the correct answer varies as much as individual life circumstances do. While your financial state is a major factor, it’s not the only factor you need to consider. Let’s take a look at the big picture: Financial Readiness Are you prepare...

Tips for Evaluating a Home Warranty Policy

Posted in: Homeownership

When you purchase a home – whether or not it’s brand new – you will likely be offered a home warranty, but what does it cover, and is it a worthwhile expense? What is a home warranty? It’s a form of insurance or loss mitigation that offers discounted repair services or replacement of your home’s appliances and m...

Do You Need Renters Insurance?

For many folks renting housing, renters insurance is simply not on the radar. They assume their landlord will manage any issue with their apartment or rental. It's common to think if the air conditioning goes out, my landlord will fix it. If there's a fire in the building, the landlord will reimburse the cost of my brand new TV ...

How to Avoid a Foreclosure: Three Steps that Can Save Your Home

Posted in: Homeownership

The recession has challenged homeowners from all backgrounds and all parts of the nation. Many are struggling to meet their mortgage payments and the threat of foreclosure is looming. This situation can be scary and confusing, so it’s important to fully understand all of your options. Many lenders are willing to negotiate l...