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Want the secret to huge success and riches? Focus. Laser focus and super-clarity. This is the magic potion that makes dreams come true. People that are incredibly successful are FOCUSED. They know what they’re doing, why they’re doing it, and WHO they’re doing it for. Do you?
Niche Marketing – Who is Your Perfect Customer?
Niche Marketing – Who is Your Perfect Customer?
Tammy Hawk-Bridges, Internet Marketing Teacher
Word magic
Word magic
A Eko Hartono
So what can you do to make sure you’re not in danger of having your glass oven shatter? Here are a few tips that are being passed around from oven manufacturers: Never bump your oven door with pots and pans. The smallest crack or nick could cause a stress fracture that could “explode” at a later time. Never slam your oven door. Never close your oven door without first making sure your oven racks are all the way in. Don’t use the door to close the oven racks. Metal can scratch the glass, causing breakage. Never run the self-cleaning feature on your oven. Extreme amounts of heat can not only damage the internal components of your oven, but they can also cause the glass to break on the internal portion of your oven. Generally, self- cleaning features are a selling point, but you can get most burnt on food in your oven using heat free methods.
Prevent your oven door from shattering
Prevent your oven door from shattering
Whitney Bennett
How to clean your fridge’s evaporative coils: If you have a fridge that has coils on the back of your unit, you will have to push your unit away from the wall to clean them. The fridge that we will demonstrate on today has evaporative coils on the bottom of the unit. 1. Unplug the fridge (or turn off its circuit). Turn-off-the-Fridge 2. Remove the panel on the front of the fridge. 3. Using a angled vacuum hose, gently vacuum the evaporative coils. Start with the front part of the coils. Vacuum the front of the top and bottom evaporative coils. Next, move your vacuum into the back of the coils, getting the side. You can see in this fridge, you couldn't even see the coils until the dirt was taken off of them. click here to download leadpages 4. Replace the front panel. 5. Turn the fridge back on.
How to clean a fridge's evaporative coils
How to clean a fridge's evaporative coils
Whitney Bennett
At the end of the year, it’s fun to look back at the last 12 months, to see where you were, how you’ve grown, and your accomplishments for the year. Here at Landmark, we like to do this as well – and we’d like you to benefit from it. We’ve published over 150 articles over the past year, some of which you’ve liked, some of which you haven’t. Either way, this upcoming year we have high hopes that we’ll be able to become your go-to guide for any question you have on homes. Let’s take a look back in the past year to see what posts we’ve published were the most helpful to our readers (and something you can use, just in case you missed them!) Here are our top 10 most visited posts this year:
Top posts square
Top posts square
Whitney Bennett
If you celebrate Christmas and have small children, you probably know how hectic Christmas morning is; seeing what Santa brought, looking at stockings, unwrapping family presents, and more. Little ones have no interest in eating breakfast when toys are ready to be unwrapped, and honestly, making it is probably last on your list of things you want to do. Why not have it ready to eat right when you wake up by making it the night before? Using a crock-pot you can make an easy breakfast casserole. It’s something you can eat while you open presents, and if it spills, it’s easy to clean up.
Breakfast Casserole - Life Hacks for a Stress-Free Holiday
Breakfast Casserole - Life Hacks for a Stress-Free Holiday
Whitney Bennett
Having a clogged sink is something that most homeowners face at some point in their lives. It could be caused by something getting stuck in a garbage disposal, grease build-up in the pipes, or by something that shouldn’t have gone down the pipes. If you find yourself with a backed-up sink, don’t despair! Landmark Home Warranty has a few DIY ways you can quickly and easily remove the clog. First, is the clog in your garbage disposal? If your garbage disposal isn’t turning, you’ll be able to tell. Instead of making the telltale grinding noise, it will simply hum and then turn off. In this case, the food is most likely stuck in the garbage disposal between the edge of the unit and the grinding flywheel. The machine will automatically turn off to avoid overheating and burning out the motor. You can go to our post on fixing a jammed garbage disposal here to learn how to fix the problem. In either of these cases, to fix the problem, you will have to one of three things: Plunge the sink Dump a bucket of water Take apart your plumbing and physically remove the blockage. To begin, determine where the blockage is more likely to be. If you have a plunger for the sole use of your sink already, use that; however do NOT under any circumstances use a plunger from your bathroom. Plungers are relatively inexpensive and you don’t want to share toilet germs with your kitchen sink.
How to Fix a Clogged Sink
How to Fix a Clogged Sink
Whitney Bennett
Every homeowner knows that it isn’t until the art is hung up on the wall that a place finally feels settled and like home. Many new homeowners will want to hang art on their walls, and may have never been able to with their leases. When they own the home, they can put as many holes in the walls as they want Give your new homeowners a picture hanging kit with these items: Screws and Nails Help the new homeowners hang anything they want on their walls with one of these handy kits full of different sizes of screws and nails. Level $20 The new homeowners will want to make sure what they’re hanging is straight. Stud finder $20 A stud finder will help them find where to hang the heavier frames.
Picture hanging kit
Picture hanging kit
Whitney Bennett
Recomendados
Want the secret to huge success and riches? Focus. Laser focus and super-clarity. This is the magic potion that makes dreams come true. People that are incredibly successful are FOCUSED. They know what they’re doing, why they’re doing it, and WHO they’re doing it for. Do you?
Niche Marketing – Who is Your Perfect Customer?
Niche Marketing – Who is Your Perfect Customer?
Tammy Hawk-Bridges, Internet Marketing Teacher
Word magic
Word magic
A Eko Hartono
So what can you do to make sure you’re not in danger of having your glass oven shatter? Here are a few tips that are being passed around from oven manufacturers: Never bump your oven door with pots and pans. The smallest crack or nick could cause a stress fracture that could “explode” at a later time. Never slam your oven door. Never close your oven door without first making sure your oven racks are all the way in. Don’t use the door to close the oven racks. Metal can scratch the glass, causing breakage. Never run the self-cleaning feature on your oven. Extreme amounts of heat can not only damage the internal components of your oven, but they can also cause the glass to break on the internal portion of your oven. Generally, self- cleaning features are a selling point, but you can get most burnt on food in your oven using heat free methods.
Prevent your oven door from shattering
Prevent your oven door from shattering
Whitney Bennett
How to clean your fridge’s evaporative coils: If you have a fridge that has coils on the back of your unit, you will have to push your unit away from the wall to clean them. The fridge that we will demonstrate on today has evaporative coils on the bottom of the unit. 1. Unplug the fridge (or turn off its circuit). Turn-off-the-Fridge 2. Remove the panel on the front of the fridge. 3. Using a angled vacuum hose, gently vacuum the evaporative coils. Start with the front part of the coils. Vacuum the front of the top and bottom evaporative coils. Next, move your vacuum into the back of the coils, getting the side. You can see in this fridge, you couldn't even see the coils until the dirt was taken off of them. click here to download leadpages 4. Replace the front panel. 5. Turn the fridge back on.
How to clean a fridge's evaporative coils
How to clean a fridge's evaporative coils
Whitney Bennett
At the end of the year, it’s fun to look back at the last 12 months, to see where you were, how you’ve grown, and your accomplishments for the year. Here at Landmark, we like to do this as well – and we’d like you to benefit from it. We’ve published over 150 articles over the past year, some of which you’ve liked, some of which you haven’t. Either way, this upcoming year we have high hopes that we’ll be able to become your go-to guide for any question you have on homes. Let’s take a look back in the past year to see what posts we’ve published were the most helpful to our readers (and something you can use, just in case you missed them!) Here are our top 10 most visited posts this year:
Top posts square
Top posts square
Whitney Bennett
If you celebrate Christmas and have small children, you probably know how hectic Christmas morning is; seeing what Santa brought, looking at stockings, unwrapping family presents, and more. Little ones have no interest in eating breakfast when toys are ready to be unwrapped, and honestly, making it is probably last on your list of things you want to do. Why not have it ready to eat right when you wake up by making it the night before? Using a crock-pot you can make an easy breakfast casserole. It’s something you can eat while you open presents, and if it spills, it’s easy to clean up.
Breakfast Casserole - Life Hacks for a Stress-Free Holiday
Breakfast Casserole - Life Hacks for a Stress-Free Holiday
Whitney Bennett
Having a clogged sink is something that most homeowners face at some point in their lives. It could be caused by something getting stuck in a garbage disposal, grease build-up in the pipes, or by something that shouldn’t have gone down the pipes. If you find yourself with a backed-up sink, don’t despair! Landmark Home Warranty has a few DIY ways you can quickly and easily remove the clog. First, is the clog in your garbage disposal? If your garbage disposal isn’t turning, you’ll be able to tell. Instead of making the telltale grinding noise, it will simply hum and then turn off. In this case, the food is most likely stuck in the garbage disposal between the edge of the unit and the grinding flywheel. The machine will automatically turn off to avoid overheating and burning out the motor. You can go to our post on fixing a jammed garbage disposal here to learn how to fix the problem. In either of these cases, to fix the problem, you will have to one of three things: Plunge the sink Dump a bucket of water Take apart your plumbing and physically remove the blockage. To begin, determine where the blockage is more likely to be. If you have a plunger for the sole use of your sink already, use that; however do NOT under any circumstances use a plunger from your bathroom. Plungers are relatively inexpensive and you don’t want to share toilet germs with your kitchen sink.
How to Fix a Clogged Sink
How to Fix a Clogged Sink
Whitney Bennett
Every homeowner knows that it isn’t until the art is hung up on the wall that a place finally feels settled and like home. Many new homeowners will want to hang art on their walls, and may have never been able to with their leases. When they own the home, they can put as many holes in the walls as they want Give your new homeowners a picture hanging kit with these items: Screws and Nails Help the new homeowners hang anything they want on their walls with one of these handy kits full of different sizes of screws and nails. Level $20 The new homeowners will want to make sure what they’re hanging is straight. Stud finder $20 A stud finder will help them find where to hang the heavier frames.
Picture hanging kit
Picture hanging kit
Whitney Bennett
You may have heard that putting your home on the market during the holidays is pointless – most buyers will start looking again in the new year, or wait until the summer months. However, selling your home during the holidays can be a huge advantage. According to a study completed by Redfin, winter listings are 9% more likely to sell, and sell a week faster and for 1.2% more money than those in the springtime. As HGTV specialist Shannon Petrie reminds sellers that most people take their homes off the market during this time, which means your home is bound to stand out in a smaller market with serious buyers. How can you make the most of this advantage? Here are four tips on what you can do to get a buyer’s attention, and sell your home during the holiday months.
Staging a home for holidays
Staging a home for holidays
Whitney Bennett
It’s the most wonderful time of the year! Well … it is if your oven is working. The holidays are fast approaching, and with Thanksgiving and then whatever holiday you celebrate in December, be it Christmas, Hanukkah, Kwanzaa, etc., there’s going to be a lot of food. The worst possible thing would be for your oven to fail when you’re making all of those savory meals and sweet treats. So what can you do to make sure your oven is up for the job of cooking this holiday season? Besides getting a home warranty to make sure your systems and appliances will be repaired and replaced if they fail from normal wear and tear, you can use this handy guide to troubleshoot your gas oven problems, and DIY some quick fixes before calling a repair technician.
Troubleshooting a gas oven banner
Troubleshooting a gas oven banner
Whitney Bennett
Right now, the last thing on your mind is making sure your swamp cooler is working properly. It’s cold, so you’re more worried about heating your home. However, next summer when you turn your swamp cooler on, you’ll be praying cold air comes out. There will always come a time when your swamp (or evaporative) cooler breaks down. However, prepping your swamp cooler for winter can help your unit work longer, and more efficiently. Believe us when we say that one of the most common problems we see as a home warranty company is a lack of maintenance that causes major breakdowns. Winterizing your swamp cooler can save you thousands of dollars in repairs and replacements (that a home warranty might not cover).
Leadpages image swamp cooler 2
Leadpages image swamp cooler 2
Whitney Bennett
It’s that time of year again! Thanksgiving is coming up and with that comes a plethora of food being cooked on your range and in your oven. The worst possible thing that could happen is your oven failing before or on the big day. So, what can you do to prevent that? You can always purchase a home warranty plan to protect your systems and appliances when they fail from normal wear and tear. You can also use this troubleshooting guide to understand what’s going on with your electric oven, and what needs to be repaired or replaced.
Troubleshooting an electric oven copy
Troubleshooting an electric oven copy
Whitney Bennett
We recently talked about how to increase your home’s value when selling it. Not only can you increase its value by adding curb appeal or doing minor renovations, you can sell your house faster for more money if you sell it with a home warranty. According to a study completed by the Service Contract Industry Council last year, homes with home warranties sell for almost $2,500 more and 16% faster. Now that you know a home warranty can boost your home’s value immensely, it’s time to ask the question: why? There can be a few different reasons! Of course, there’s the obvious – it provides peace of mind, but it also has to do with how easy it is for the new buyer to get their systems and appliances protected!
Home warranty faster for more money lead
Home warranty faster for more money lead
Whitney Bennett
If your repair technician just gave you the bad news that your furnace has a cracked heat exchanger, and you said, “ A cracked what?” you’re in the right place. This article is going to go over what a heat exchanger is, why it cracks and what you can do about it if you have a home warranty. To really understand why a damaged heat exchanger is so problematic, and how your home warranty company can help, we have to go over the basics of how a furnace works. How does a Furnace Work? Cracks in your Heat Exchanger and Home Warranties Looking at a furnace quite simply, it has four main parts that allow it to heat your house: Draft Motor The first is the draft motor. The draft motor kicks on when there’s a drop in temperature in your house, and your thermostat tells your furnace that warm air is needed. When this happens, your draft motor begins to pull ambient air into the unit from the surrounding area. Burners As air is taken into the furnace to be warmed, gas is turned on in the burners of the furnace. The furnace ignites this gas with a spark, and the burners create a flame. This flame produces hot gasses that go into the heat exchangers. Heat Exchangers Heat exchangers are a series of metal tubes that heat up and stay extremely hot. They hold the hot gasses and carbon monoxide the burners produce. These gasses are poisonous, so the heat exchangers are attached to a flue that vents the gasses outside. Blower As the draft motor brings air into the furnace, the blower motor begins to force air past the extremely hot metal tubes of the heat exchangers. Obviously, the hot gasses from the burners that are inside of the heat exchangers don’t mix with this air, unless they have a crack. As long as the heat exchangers have an air-tight seal, the air is simply blown over them. This warms the air up, and the blower continues to push the air throughout your ductwork, providing warm air through your house. If your heat exchanger is cracked, however, this could prove problematic for homeowners. There is a possibility that those poisonous gasses from your burners could leak into the air being blown throughout your home.
How a Furnace Works
How a Furnace Works
Whitney Bennett
home warranty, home warranty and air ducts, duct cleaning
Air ducts and home warranties
Air ducts and home warranties
Whitney Bennett
Homeowner's associations heros or villian
Homeowner's associations heros or villian
Whitney Bennett
Make moving relaxing
Make moving relaxing
Whitney Bennett
Buying a home has so many caveats and limitations that it may be hard to find a dream home. It’s especially hard for individuals who aren’t able to pay for a home in cash and don’t qualify for a mortgage loan from a lender. These individuals sometimes can get trapped in home mortgage scams where they lose money and their new home. Landmark outlines three possible mortgage scams and how to avoid them. click button for infographic scams three mortgage scams click button for infographic scams Lease to Own A lease to own mortgage is usually something offered by the seller when an interested buyer doesn’t qualify for a loan to pay for the home up front. Instead, the seller becomes a landlord for a time and charges rent to the homeowners, until they can build up their credit and qualify for a mortgage. Often times the seller charges “opt-in” money at the start of a lease to own agreement, which shows the buyers intent to purchase the home after qualifying. Many times a lease-to-own mortgage seems like a great deal.The buyer pays “rental” payments until they can buy the home outright. However, these rental payments are usually overpriced. Worse than that is when the contract states it’s time for the buyer to purchase the home outright, and they still cannot qualify for a home loan. The seller can then kick them out of the home and keep all of the rental payments and opt-in money. Many times a lease-to-own mortgage seems like a great deal. The buyer pays “rental” payments until they can buy the home outright. However, these rental payments are usually overpriced. Worse than that is when the contract states it’s time for the buyer to purchase the home outright, and they still cannot qualify for a home loan. The seller can then kick them out of the home and keep all of the rental payments and opt-in money.¬¬ If you don’t qualify for a mortgage, talk to your local Approved Housing Counseling Agencies. Some can find mortgages for low credit or low-income individuals. With this lower rate, homeowners can purchase home warranty insurance and save money by protecting their systems and appliances. Home warranty insurance could also be included in a home sale. Wraparound Mortgages For individuals who cannot qualify for a home loan, a scamming seller will provide a mortgage instead of a traditional lender. This “mortgage” wraps around the mortgage the seller has on the home already. When the buyer pays money to the seller, the seller pays it on their mortgage to the bank. Some sellers in this situation scam the buyer. If the seller doesn’t make payments to the bank, the home will be foreclosed and the buyer is kicked out. Or, if the seller wants to make money, they’ll charge more from the buyer on the mortgage payment, pay their minimum to the bank, and pocket the rest. The best way to combat this mortgage scam is to make sure there is a written contract between the seller and the buyer of t
Three mortgage scams
Three mortgage scams
Whitney Bennett
Ups and downs resell homes
Ups and downs resell homes
Whitney Bennett
There are a few changes that are occurring with TILA-RESPA as of August 1, 2015. As of this time, the Federal Government has required lenders to provide two different disclosures for borrowers who apply for a mortgage. These disclosures (the Good Faith Estimates and Truth in Lending) provide estimates for homebuyers on how much they can afford for a loan. One of these disclosures is from TILA, and the other is from RESPA. According to the Consumer Financial Protection Bureau, the two forms are confusing and overlap. Real Estate agents usually find both forms frustrating to explain to homeowners and difficult to deal with. Thus, both forms are being combined into one main disclosure document, called a Loan Estimate. This loan estimate isn’t much of an estimate, though, as the lender has to be accountable to provide the rate on the Loan Estimate within 10%. The Loan Estimate must also be provided to the borrower three days after the buyer’s information is collected.
Changes to tila respa
Changes to tila respa
Whitney Bennett
Why is there conflict?
Why is there conflict?
Whitney Bennett
How much can you spend on a home?
How much can you spend on a home?
Whitney Bennett
What is in housing costs?
What is in housing costs?
Whitney Bennett
Air conditioner circut breaker
Air conditioner circut breaker
Whitney Bennett
Prepare your air conditioner for summer
Prepare your air conditioner for summer
Whitney Bennett
home warranty, home warranties, best home warranty, best home warranty companies, best home warranty company, home warranty company, home warranty companies, home warranties, home warranty plans, home warranty reviews
How long do your appliances last?
How long do your appliances last?
Whitney Bennett
Fill out a change of address form with the post office. Fill out an IRS change of address form. Fill out a bank change of address form. Fill out a school change of address form. Give your new address to friends and family. Change your driver’s license at the DMV by your new home. Complete auto registration at your new DMV. Pack and label more items. For valuables or items you don’t want moved by your moving company, label them with “DON’T MOVE.”
Two Weeks before Moving
Two Weeks before Moving
Whitney Bennett
Best apps for real estate agents infographic
Best apps for real estate agents infographic
Whitney Bennett
Mais conteúdo relacionado
Mais de Whitney Bennett
You may have heard that putting your home on the market during the holidays is pointless – most buyers will start looking again in the new year, or wait until the summer months. However, selling your home during the holidays can be a huge advantage. According to a study completed by Redfin, winter listings are 9% more likely to sell, and sell a week faster and for 1.2% more money than those in the springtime. As HGTV specialist Shannon Petrie reminds sellers that most people take their homes off the market during this time, which means your home is bound to stand out in a smaller market with serious buyers. How can you make the most of this advantage? Here are four tips on what you can do to get a buyer’s attention, and sell your home during the holiday months.
Staging a home for holidays
Staging a home for holidays
Whitney Bennett
It’s the most wonderful time of the year! Well … it is if your oven is working. The holidays are fast approaching, and with Thanksgiving and then whatever holiday you celebrate in December, be it Christmas, Hanukkah, Kwanzaa, etc., there’s going to be a lot of food. The worst possible thing would be for your oven to fail when you’re making all of those savory meals and sweet treats. So what can you do to make sure your oven is up for the job of cooking this holiday season? Besides getting a home warranty to make sure your systems and appliances will be repaired and replaced if they fail from normal wear and tear, you can use this handy guide to troubleshoot your gas oven problems, and DIY some quick fixes before calling a repair technician.
Troubleshooting a gas oven banner
Troubleshooting a gas oven banner
Whitney Bennett
Right now, the last thing on your mind is making sure your swamp cooler is working properly. It’s cold, so you’re more worried about heating your home. However, next summer when you turn your swamp cooler on, you’ll be praying cold air comes out. There will always come a time when your swamp (or evaporative) cooler breaks down. However, prepping your swamp cooler for winter can help your unit work longer, and more efficiently. Believe us when we say that one of the most common problems we see as a home warranty company is a lack of maintenance that causes major breakdowns. Winterizing your swamp cooler can save you thousands of dollars in repairs and replacements (that a home warranty might not cover).
Leadpages image swamp cooler 2
Leadpages image swamp cooler 2
Whitney Bennett
It’s that time of year again! Thanksgiving is coming up and with that comes a plethora of food being cooked on your range and in your oven. The worst possible thing that could happen is your oven failing before or on the big day. So, what can you do to prevent that? You can always purchase a home warranty plan to protect your systems and appliances when they fail from normal wear and tear. You can also use this troubleshooting guide to understand what’s going on with your electric oven, and what needs to be repaired or replaced.
Troubleshooting an electric oven copy
Troubleshooting an electric oven copy
Whitney Bennett
We recently talked about how to increase your home’s value when selling it. Not only can you increase its value by adding curb appeal or doing minor renovations, you can sell your house faster for more money if you sell it with a home warranty. According to a study completed by the Service Contract Industry Council last year, homes with home warranties sell for almost $2,500 more and 16% faster. Now that you know a home warranty can boost your home’s value immensely, it’s time to ask the question: why? There can be a few different reasons! Of course, there’s the obvious – it provides peace of mind, but it also has to do with how easy it is for the new buyer to get their systems and appliances protected!
Home warranty faster for more money lead
Home warranty faster for more money lead
Whitney Bennett
If your repair technician just gave you the bad news that your furnace has a cracked heat exchanger, and you said, “ A cracked what?” you’re in the right place. This article is going to go over what a heat exchanger is, why it cracks and what you can do about it if you have a home warranty. To really understand why a damaged heat exchanger is so problematic, and how your home warranty company can help, we have to go over the basics of how a furnace works. How does a Furnace Work? Cracks in your Heat Exchanger and Home Warranties Looking at a furnace quite simply, it has four main parts that allow it to heat your house: Draft Motor The first is the draft motor. The draft motor kicks on when there’s a drop in temperature in your house, and your thermostat tells your furnace that warm air is needed. When this happens, your draft motor begins to pull ambient air into the unit from the surrounding area. Burners As air is taken into the furnace to be warmed, gas is turned on in the burners of the furnace. The furnace ignites this gas with a spark, and the burners create a flame. This flame produces hot gasses that go into the heat exchangers. Heat Exchangers Heat exchangers are a series of metal tubes that heat up and stay extremely hot. They hold the hot gasses and carbon monoxide the burners produce. These gasses are poisonous, so the heat exchangers are attached to a flue that vents the gasses outside. Blower As the draft motor brings air into the furnace, the blower motor begins to force air past the extremely hot metal tubes of the heat exchangers. Obviously, the hot gasses from the burners that are inside of the heat exchangers don’t mix with this air, unless they have a crack. As long as the heat exchangers have an air-tight seal, the air is simply blown over them. This warms the air up, and the blower continues to push the air throughout your ductwork, providing warm air through your house. If your heat exchanger is cracked, however, this could prove problematic for homeowners. There is a possibility that those poisonous gasses from your burners could leak into the air being blown throughout your home.
How a Furnace Works
How a Furnace Works
Whitney Bennett
home warranty, home warranty and air ducts, duct cleaning
Air ducts and home warranties
Air ducts and home warranties
Whitney Bennett
Homeowner's associations heros or villian
Homeowner's associations heros or villian
Whitney Bennett
Make moving relaxing
Make moving relaxing
Whitney Bennett
Buying a home has so many caveats and limitations that it may be hard to find a dream home. It’s especially hard for individuals who aren’t able to pay for a home in cash and don’t qualify for a mortgage loan from a lender. These individuals sometimes can get trapped in home mortgage scams where they lose money and their new home. Landmark outlines three possible mortgage scams and how to avoid them. click button for infographic scams three mortgage scams click button for infographic scams Lease to Own A lease to own mortgage is usually something offered by the seller when an interested buyer doesn’t qualify for a loan to pay for the home up front. Instead, the seller becomes a landlord for a time and charges rent to the homeowners, until they can build up their credit and qualify for a mortgage. Often times the seller charges “opt-in” money at the start of a lease to own agreement, which shows the buyers intent to purchase the home after qualifying. Many times a lease-to-own mortgage seems like a great deal.The buyer pays “rental” payments until they can buy the home outright. However, these rental payments are usually overpriced. Worse than that is when the contract states it’s time for the buyer to purchase the home outright, and they still cannot qualify for a home loan. The seller can then kick them out of the home and keep all of the rental payments and opt-in money. Many times a lease-to-own mortgage seems like a great deal. The buyer pays “rental” payments until they can buy the home outright. However, these rental payments are usually overpriced. Worse than that is when the contract states it’s time for the buyer to purchase the home outright, and they still cannot qualify for a home loan. The seller can then kick them out of the home and keep all of the rental payments and opt-in money.¬¬ If you don’t qualify for a mortgage, talk to your local Approved Housing Counseling Agencies. Some can find mortgages for low credit or low-income individuals. With this lower rate, homeowners can purchase home warranty insurance and save money by protecting their systems and appliances. Home warranty insurance could also be included in a home sale. Wraparound Mortgages For individuals who cannot qualify for a home loan, a scamming seller will provide a mortgage instead of a traditional lender. This “mortgage” wraps around the mortgage the seller has on the home already. When the buyer pays money to the seller, the seller pays it on their mortgage to the bank. Some sellers in this situation scam the buyer. If the seller doesn’t make payments to the bank, the home will be foreclosed and the buyer is kicked out. Or, if the seller wants to make money, they’ll charge more from the buyer on the mortgage payment, pay their minimum to the bank, and pocket the rest. The best way to combat this mortgage scam is to make sure there is a written contract between the seller and the buyer of t
Three mortgage scams
Three mortgage scams
Whitney Bennett
Ups and downs resell homes
Ups and downs resell homes
Whitney Bennett
There are a few changes that are occurring with TILA-RESPA as of August 1, 2015. As of this time, the Federal Government has required lenders to provide two different disclosures for borrowers who apply for a mortgage. These disclosures (the Good Faith Estimates and Truth in Lending) provide estimates for homebuyers on how much they can afford for a loan. One of these disclosures is from TILA, and the other is from RESPA. According to the Consumer Financial Protection Bureau, the two forms are confusing and overlap. Real Estate agents usually find both forms frustrating to explain to homeowners and difficult to deal with. Thus, both forms are being combined into one main disclosure document, called a Loan Estimate. This loan estimate isn’t much of an estimate, though, as the lender has to be accountable to provide the rate on the Loan Estimate within 10%. The Loan Estimate must also be provided to the borrower three days after the buyer’s information is collected.
Changes to tila respa
Changes to tila respa
Whitney Bennett
Why is there conflict?
Why is there conflict?
Whitney Bennett
How much can you spend on a home?
How much can you spend on a home?
Whitney Bennett
What is in housing costs?
What is in housing costs?
Whitney Bennett
Air conditioner circut breaker
Air conditioner circut breaker
Whitney Bennett
Prepare your air conditioner for summer
Prepare your air conditioner for summer
Whitney Bennett
home warranty, home warranties, best home warranty, best home warranty companies, best home warranty company, home warranty company, home warranty companies, home warranties, home warranty plans, home warranty reviews
How long do your appliances last?
How long do your appliances last?
Whitney Bennett
Fill out a change of address form with the post office. Fill out an IRS change of address form. Fill out a bank change of address form. Fill out a school change of address form. Give your new address to friends and family. Change your driver’s license at the DMV by your new home. Complete auto registration at your new DMV. Pack and label more items. For valuables or items you don’t want moved by your moving company, label them with “DON’T MOVE.”
Two Weeks before Moving
Two Weeks before Moving
Whitney Bennett
Best apps for real estate agents infographic
Best apps for real estate agents infographic
Whitney Bennett
Mais de Whitney Bennett
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Staging a home for holidays
Staging a home for holidays
Troubleshooting a gas oven banner
Troubleshooting a gas oven banner
Leadpages image swamp cooler 2
Leadpages image swamp cooler 2
Troubleshooting an electric oven copy
Troubleshooting an electric oven copy
Home warranty faster for more money lead
Home warranty faster for more money lead
How a Furnace Works
How a Furnace Works
Air ducts and home warranties
Air ducts and home warranties
Homeowner's associations heros or villian
Homeowner's associations heros or villian
Make moving relaxing
Make moving relaxing
Three mortgage scams
Three mortgage scams
Ups and downs resell homes
Ups and downs resell homes
Changes to tila respa
Changes to tila respa
Why is there conflict?
Why is there conflict?
How much can you spend on a home?
How much can you spend on a home?
What is in housing costs?
What is in housing costs?
Air conditioner circut breaker
Air conditioner circut breaker
Prepare your air conditioner for summer
Prepare your air conditioner for summer
How long do your appliances last?
How long do your appliances last?
Two Weeks before Moving
Two Weeks before Moving
Best apps for real estate agents infographic
Best apps for real estate agents infographic
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