Get Help with Your Mortgage in Florida and Avoid Foreclosure

Get Help with Your Mortgage in Florida and Avoid Foreclosure

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A lot of people believe that, once they are facing foreclosure, no bank will touch them anymore. In reality, however, Florida mortgages are there to help them avoid foreclosure as well. Not just that, thousands of people who took out a mortgage in Florida many years ago have found that their original lender is now owned by a major national bank, is no longer in business, or has been sold to a different, out-of-state lender. In all of these cases, it may be time to consider a different mortgage altogether.

Start Anew

Florida mortgages are there to help you start afresh, and this can help you avoid or stop foreclosures. In fact, purpose foreclosure loans exist, which can take on your mortgage and any other debt you may have, combining them into one. Once you have done that, a weight will fall off your shoulders as you can suddenly meet all your financial obligations. All you have to do is find a Florida mortgage expert that deals specifically with foreclosure situations. A quick internet search will reveal many of these professionals just waiting to help you.

What Foreclosure Experts Do

Foreclosure experts work specifically with those who are in dire financial straits. They know that their clients have been turned away by the vast majority of other lenders but are able to find them other solutions. Foreclosure rates have always been at the highest in Florida and the government has created a number of programs to provide assistance with this.

Foreclosure loans do require a down payment. However, there are federal programs in place that can help with this as well. An example of a solution that is out there is the Florida Assist loan program, which offers help of up to $15,000 for a down payment. While this is a loan, it is non-amortizing and no interest is charged on it. Furthermore, the loan is offered as a second mortgage, and no monthly payments have to be made specifically for that loan. Instead, you will not have to repay it until the home is refinanced or sold on.

Another option is the HAMI (Homeowner Assistance for Moderate Income), which offers help towards down payments or towards the cost of closing. Furthermore, there are a variety of incentives and credit programs available through the government, all designed to ensure people can either buy their own home, or avoid foreclosure. The Office of Community Affairs provides a wealth of information on these options.

Naturally, the best option is to never get into a position in which you face foreclosure. There are many different Florida mortgage lenders around who have very friendly acceptance criteria. They would be more than happy to hear from you and discuss the options available to you. It is best to do this as soon as possible, rather than waiting until the bank starts to make moves towards foreclosure, as the longer you wait, the worse your situation will look on paper.

DIY Bathroom Improvements to Consider

DIY Bathroom Improvements to Consider

The real estate market has a steep learning curve, and lacking the knowledge, experience, and foresight necessary could leave you open to costly mistakes. But practice makes perfect. Taking on a few home improvement projects is an excellent way to start.

Aside from improving functionality and comfort, updating your bathrooms adds value to your home. Unfortunately, determining the most suitable bathroom improvement project is not always an easy task. To help you get started, here are some fairly inexpensive but highly effective ideas.

Replace your bathroom floor

DIY floor replacements are a great way to upgrade and modernize your bathroom space. Tile stands out from the various flooring options available for use in bathrooms. Aside from being simple, hard-wearing, and long-lasting, tile comes in different shapes, colors, and designs, and can, therefore, be used to complement just about any style.

As seen in this picture, you can use tile to expresses your personality by creating a signature look and feel. Tile offers endless options. For instance, you can give your bathroom floor an elegantly unique look by installing a large medallion at the center or accentuating the borders with small intoned tiles.

While you’re at it, you might as well enhance the bathroom’s appearance and feel by refinishing the bathtub. You just need to remove the old caulk, thoroughly clean the tub, apply a two-part epoxy to fill any surface chip, sand the rough spots until they are smooth, and spray at least two new coats of paint onto the bathtub.

Improve the lighting setup

It’s unfortunate that some people don’t know the importance of properly installed bathroom lights. Although adequate lighting is essential to the many functions of a bathroom, unflattering shadows are a common concern.

As seen in this picture, sconce lighting fixtures can provide evenly distributed light when installed at the vanity. You can also prevent the occurrence of shadows by installing eye-level lighting solutions. On the other hand, having dimmers and dimmable light bulbs improves the ambience. While dim lighting works well for relaxing baths, you’ll want a brightly lit bathroom for your cosmetic functions. If you have a small bathroom, adding more overall lights is bound to open up space.

Enhance the ventilation

When it comes to the bathroom’s functionality, humidity is one of the biggest concerns. Aside from the fact that mold needs moisture to grow, wet walls are a danger to the structural integrity of your home. Moisture could, therefore, make quick work of any renovation. In most cases, the unsightly spots commonly associated with mold and mildew will develop in the bathroom first, mainly because it is often the wettest room.

To keep mold and mildew from growing, you need to allow proper air circulation. After you’ve showered, leaving the bathroom door or window open could be a great first step, especially since such actions can help ventilate the room. But if you want to draw out moisture and ensure proper ventilation, installing a vent fan might be the best solution. In fact, many would agree that vent fans are a must-have. In addition to being a lot quieter, currently available models come in elegant and stylish designs.

Clean grout

If you don’t seal your grout lines after a tile job, you’ll probably notice variable color patterns before long. Thankfully, superior grout cleaning products are currently available on the market. Although these improved products can help you achieve desirable results, it’s unfortunate that most of them are noxious, making it important to take the necessary precautions. Alternatively, you can use a steam spot cleaner plus a mixture of baking soda and hydrogen peroxide. Either way, you will need elbow grease and heavy-duty brushes. Remember to allow adequate drying time before you seal the grout.

Jessica Kane is a writer for OSHA Campus Online, a provider of affordable online OSHA training courses that are accepted nationwide!

Things to keep in mind during a home inspection

Things to keep in mind during a home inspection

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Want to get into your local real estate market? With prices surging across America, it’s time to get in before they start to spike.

Many choose to do this by looking for an older starter home, but they lack the foresight to be diligent on whether the owner has been keeping up with maintenance.

They don’t know what to watch out for when strolling around a property they are considering; before you know it, they buy a house which has tens of thousands of dollars worth of defects.

Lloyd Claycomb shakes his head when he hears these stories. As a leader in the Denver area construction industry for more than a generation, he knows what a sturdy home looks like.

When he buys properties to fix up, there is a long checklist he follows to be sure he isn’t throwing wads of his own cash into a flaming pit.

Below, we’ll share what goes through the head of a seasoned home buyer when they are inspecting a property.

There are crucial areas you’ll need to check, so be sure to pay attention to the following points.

1) Look for signs of water leakage

One of the biggest problems you’ll find during a home inspection involves past or present water leaks.

Often taking on the appearance of rusty brown splotches, these signs of spilled water from breached pipes or from a compromised roof may be the first sign of more serious structural damage.

As this compromises the stability of your home, the costs to fix this damage can be expensive depending on the extent of the leaks. If there are signs of these leaks everywhere, you may want to move on to another property.

2) Search for mold

Weakened walls aren’t the only problem water can cause in a home. Its presence or persistent dampness can create the ideal environment for mold.

This fungi is known for the toxic effects it can have on people exposed to this pathogen over many weeks and months.

If the problem is small, you might be able to tackle it on your own, but if it is extensive, the services of an environmental remediation company may be required, which is an expense that will add to your final bill substantially.

3) Inspect the roof

Next, get a ladder so you can assess the roof’s condition. Check the supports to see if they are straight and assess whether the shingles have aged to the point where they have begun to peel or warp.

Either of these problems mean water could find its way into the house if it hasn’t already, causing the issues described earlier in this article.

Next, see if the gutters properly channel water away from the foundation. If it flows toward the property when it rains, your basement could flood in record time during the next torrential downpour.

Use a bucket to put this system to the test. If the present gutters fail, you may have to shift the terminus location of the outlet pipes, or re-grade the land around the property to improve drainage.

What to Consider Before Opting For a House Extension

What to Consider Before Opting For a House Extension

With the property market in a regular state of flux in many parts of the world, more and more people who have found themselves in need of more space in the home are opting to extend the home that they are in rather than buy somewhere new. This is a great option for many who don’t wish to uproot their lives and move somewhere else and for people who simply want exactly what they have, with just a dash more space.

If you are thinking about getting an extension then here are the things which you need to consider.

Money

Housing extensions are not cheap and you need to understand that even if you have been given a quote from a particular building firm, they very rarely come in at budget. For this reason you need to ensure that you not only have sufficient money to pay for the extension itself but also that you have enough money to cover any additional charges which will be added on to the cost of the project. On top of this, you need to ensure that you have enough money to furnish, decorate and kit out the new space which you have created.

Permission

Before making changes and alterations to your property you will need to seek planning permission from your local authorities. This is not always a given and there are many laws in place for the protection of others which could prevent your from making changes to your home. Aside from speaking with the authorities, you should also make the effort to speak with your neighbors to inform them of what will be taking place. It is not just the change to you home which may affect the neighbors but also the amount of noise and construction vehicles which may be coming in and out during the project.

Stay or Go

The ideal situation is that you and your family are able to move out for the duration of the extension. This will allow the builders to get on with their job to the best of their ability, it will ensure that the job is finished as quickly as possible and it will mean that you do not put yourself in any danger whilst the work is completed. Not everyone has the means or money to move out for such a long time however and you should understand the consequences if you are not able to move out of your home during the project.

These are the three key things to consider when deciding on whether a housing extension is a good idea for you. Regarding the planning of the extension it is important that you work closely with the architect to talk about exactly what you need from the additional space and find the best way to do it. Whilst this will be an expense operation, you should bear in mind that you will be adding value on to your home and most extensions actually end up paying for themselves when the home is eventually sold.