Our Home Team's (ourhometeam) Blog

Abusing Your New-Found Wealth Although tapping into your equity provides you with a whole host of positive situations, there are some things to avoid. 1.    As you live in your new home, avoid outlandish remodeling. Sooner or later, whether you're retiring, moving to a new town, or find it diffi...

Using Your Equity If you're not familiar with how using equity works, allow us to explain some of the ways in which you can tap into the value of your home: 1.    Some people chose to "trade down." Trading down is when you move into a less expensive home on or after retirement. For example, if y...

                                         How Owning a Home Affects Your Wealth Owning a home should significantly increase your financial net worth, which is the difference between your assets, including bank accounts, retirement accounts, stocks, bonds and mutual funds, and your liabilities or d...

Finding Homeowner's Insurance Homeowner's insurance is a requirement of owning a home when you take out a mortgage. No mortgage lender will permit you to close the deal unless you can prove that you have adequate coverage. Lenders will also frequently request that you pay the entire first year's...

                                             What You Need to Know About Personal Property Taxes Personal property taxes can be another unexpected cost when buying a new home. If you're still renting, you might not be familiar with how personal property taxes work. Below, you'll find some useful...

Professional appraisers sum up their entire body of knowledge in three words: " Buyers make value." Your home is worth as much as a buyer will pay for it. If your home has been on the market for months, it’s a clear message that the property may not be worth what you're asking for it. This is par...

Inflation: What It Means to You Although you might not be thinking about retirement now, it's important to realize that even with modest inflation, if you continue renting over the course of several decades, your rent is going to skyrocket. To illustrate inflation, consider this: you may be payi...

Should I Own Or Should I Rent? Do I rent or do I buy? Many people struggle to find the answer to this question. And although most people will eventually decide to purchase a home, because of their financial situation, some prospective buyers might want to wait to commit. Still, owning your own h...

Although many landlords complain that it's difficult to find good tenants, it's almost as difficult for tenants to find good, reliable landlords. A benefit of owning your home is that you do not have to rely on someone else when things go wrong. One of the most common complaints among tenants is...

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