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Bad First Impressions Will Turn Home Buyers Away
First impressions are very important when you are selling your home. In fact, making a good first impression can make all the difference. So be sure to present your home in its best light right from that very first time your prospective buyers set...
Do You Have The Correct Home Buyer Mindset To Be Buying A Home?
By learning what you need to know and preparing how to purchase a home ahead of time, you will be less likely to become so enamored with a particular property that you fall into the traps and the pitfalls that are so often the result of IDM, or...
How Long Will It Take To Sell Your Home?
How Long Will It Take To Sell Your Home?
I am often asked how long it will take to sell a home in today's market. Many parts of the country are generally enjoying a seller's market and have been for several years.
Apart from the obvious...
International Purchase - New Zealand Real Estate
So you have decided to purchase New Zealand real estate and move overseas. You scanned the world’s property journals and decided that this is your best international real estate investment, and that New Zealand is the place you want to turn into...
Reversible Negatives When Buying A House
So it's time to buy a house. Whether you're shopping on a budget or searching for your dream home no matter what the cost, there are a few things you should keep in mind when you go to view potential properties.
The bottom line is this: Every...
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How to Get a New Kitchen
Do you want to improve the look of your home? Have you thought of adding value to your home with a brand new kitchen?
The thought of home improvements, like a new kitchen, can be lingering thoughts. Projects like these can be expensive endeavors when most of us do not have the additional funds sitting in a bank account screaming for you to spend.
Maybe it’s time you consider a Home Improvement Loan. You may have heard different terms like Home Equity Line of Credit (HELOC) or Line of Credit. A HELOC could be the easiest and cheapest way to make improvements to your home and have your dreams become a reality.
A HELOC offers a low interest rate, usually tied to the prime rate and a low monthly payment, secured by your home. As the home owner, it frees you up to do whatever improvements you want on your home or property.
With a HELOC, you can have up to 100% of your home’s value available to you for improvements, rehabbing and life’s unplanned emergencies. You only pay for what you spend leaving funds available for other projects and/or emergencies. The loans are typically repaid over a 10 year amortization schedule.
A mortgage lender can better provide details and current rate information. Your available
income, credit score and equity in your home will play a part in determining your rate and ability to qualify for different program options. Your lender will also be able to explain to you any tax savings and other advantages the loan may have for you.
A HELOC can help you with: getting that new kitchen, remodeling a bathroom, building a home addition, buying new furniture, landscaping in the Spring, and so on. What you spend your money on is entirely up to you.
Remember, financing shouldn’t be the most difficult part of getting that new kitchen you’re dreaming of! With a simple Home Improvement Loan, you’ll be on your way to harder decisions- like picking out the new cabinets and light fixtures!
About The Author
Kimberly Shallenberger-Cameron currently manages the STLagent Team of Real Estate Consultants in St Louis, MO. Her website is http://www.stlagent.com, where she publishes the St Louis Real Estate Blog.
Kimberly also moderates the St Louis Community Forum Message Board at: http://www.stlagent.com/forum
© STLagent.com 2005
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