(954) 547.4601


Rathe.S@EWM.com

Updated: Thursday, April 24, 2014

No Mow Blow amp; Go For Your Homeowners Association

Ahhhhh Spring Thoughts of lovers turn to love and those of landscaper contractors turn to growing things, like the lawn. Its time to weed, fertilize, remove moss and reseed to get it up and growing again. For homeowner associations, this usually means the landscape contractor has also been busy for weeks firing up the irrigation system, thatching, doing drainage corrections, removing and replacing dead plants, sweeping, blowing and mowing. Theres a lot to do. And theres a lot to know about how to do it right.

Its important to recognize the difference between your "mow and blow artists" aka "lawnscalpers" and true landscape contract professionals. Mow and blow is basically a guy with minimal tools and experience. He usually does a passable job lawn mowing but ra>

A true landscape professional has an artists eye, a horticulturists training and managers organization to ensure that your landscaping thrives through good weather and bad. Each season brings its own challenges: Whether its too wet or too dry, too hot or too cold, the landscape professional has sophisticated ways to keep it looking its best. Here are some helpful landscape contractor screening tips:

1. Determine capabilities. Besides the usual services, some install hardscapes like retaining walls, drainage and irrigation systems which could be important to the overall job.

2. Check credentials. Individuals should have either an education in Ornamental Horticulture or several years on-the-job training. The company is usually a member in national or state landscape associations which indicates a desire for excellence. Ask for a list of references and professional affiliations.

3. Confirm licensing and certification. If required by state law, the company should be licensed or certified. Licensing provides higher accountability and ensures the level of competence required by state exams.

4. Level of maintenance. Do you have low maintenance landscape or a high impact design with seasonal color, intricate pruning and pest control needs? The budget can vary a lot depending on the level of service.

5. Check insurance. Require proof of insurance for workers compensation, liability and vehicles. Check for limits and policy expiration.

6. Visit a similar job. Do a random site check of some current clients to verify work quality.

7. Review the contract. Your landscape maintenance contract should have a detailed annual schedule to handle all aspects of the work. Some tasks are done more or less frequently according to season and the schedule should reflect it.

8. Share the work. Some HOAs have volunteers that like to do certain aspects of landscape maintenance which can reduce costs. Discuss options with the contractor.

So whats it going to be, landscape professional or lawnscalper? The first ensures a vibrant and healthy landscape while the second will skin your landscape alive. Your choice. For more on hiring professional landscape contractors, see Professional Landcare Network: http://www.landcarenetwork.org.

Several Landscape Specification samples are available to Gold Subscribers of www.Regenesis.net.


Full Story >


Why You Should Consider Challenging Your Property Tax Assessment

You may well be paying too much in property taxes.

Your city, school district and county property taxes are supposed to be based on current market values. When you buy a home, the tax base resets at the value you paid, whether its higher or lower than the previous owners tax bill.

Local laws put a cap on how much property taxes can be raised each year, regardless of market values. Most municipalities dont have the manpower or the resources to assess each and every property individually, so taxes can be assessed based on general averages, drive-by appraisals or automatic increases based on your homes sales price.

Many areas dont assess annually, so your homes values can be overvalued in a cool market or undervalued in a hot market. Which means you could be paying too much in property taxes.

You may recieve your property value assessement and tax bill soon. If you dont think the assessment is fair, its your right to appeal.

Represent Yourself

The appeal process doesnt have to be intimidating. The appraisers and appeal boards are well aware that the appraisal system isnt perfect, so they are prepared for challenges.

Depending upon your municipalitys appeals process, you can represent yourself. You dont need your CPA, attorney or real estate professional. All you need to do is simply make an appointment for a review of your property. Call early, as the time for appeal appointments is usually limited to a specific time frame.

Print out a full copy of your propertys tax appraisal from your city/county website. Check it over carefully for errors in square footage, number of bedrooms, baths, stories, parking spaces, lot size, and other details. Your neighbors appraisals will also be accessible as public information so you can double check their assesssments to find comparisons. Be sure the comparable homes that you find are very close by and as identical as possible to your home in size and amenities.

Take pictures of your exterior and be sure to include anything that can lower the value of the property such as a busy street, telephone poles, looming water towers, peeling paint, sagging roof, etc. In the interior, photograph dated kitchens or baths, and any damage to floors, windows, walls and ceilings. Condition matters in appraisals.

City appraisers use the same Multiple Listing Service that real estate professionals do, so if you know an agent or broker who can get recent comparables for you, bring those to the appraisal appointment. Some agents may charge a fee for this service, but if youve been a client, they may be willing to print a comparable analysis at no charge for you.

During your appointment, youll be meeting with an individual appraiser or perhaps an appraisal board comprised of volunteers, real estate professionals, appraisers, or city officials.

Dont be intimidated -- youre not on trial. Its a hearing that youve requested.

Your appraiser will show you the values of nearby comparable homes to illustrate why the district arrived at your appraisal price. Bring a map so you can illustrate zoning changes, construction, road expansion that may affect the areas value, as well as your home. Courteously present your case and documentation that supports your claim. Just in case, bring a map so you can illustrate zoning changes, construction, road expansion that may affect the areas value, as well as your home.

Your data will be compared with the findings of the reviewer. You may need to defend your appraisal several times throughout the appeal, so know your neighborhood well.

Usually, the answer will be immediate. If the tax assessor agrees with you, he or she will adjust your appraisal right on screen right in front of you and print out a new assessment for you to take home.

If the assessment stands as it is, you havent lost anything but a little time.


Full Story >


The Nitty Gritty On Storage Auctions

Many people fantasize that the old bureau thats been catching dust in their attic for years is actually their ticket to early retirement. And with the popularity of television shows like Storage Wars, acquiring a rare gem for very little investment seems like a profitable gamble.

Whether youre interested in becoming a full-fledged "storage warrior" or just curious how storage auctions go down in the real world, here are some of the most common questions and tips from the pros to get you started.

1. Why are storage units contents auctioned? When a unit occupant fails to pay their rent for a period of time, the facility owner can auction off the contents in order to legally recoup their losses. Details vary by state, but generally protocol is across the board.

2. What if the tenant wants their stuff back after an auction? The original tenant may request to give their contact information to the unnamed buyer. The buyer can then decide to sell items back. Buyers are sometimes required to return unsellable personal items, like legal records and photographs, to the original owner.

3. Who can be at an auction? Bidders must be 18 years old with a valid drivers license or government-issued ID.

4. What is the auction process like? All potential bidders register. After some ground rules are laid out, the group will move to the first unit. When the first door is opened, bidders have a few minutes to look into the unit. No one can enter or touch any items for safety and liability concerns.

Pro Tip: Bring a flashlight You will be able to make a more informed bid. Cameras and recording devices are banned.

From there, the auction commences. Each unit and auction are opened and closed individually until all units are finished. Usually, this takes several hours, so remember to pace yourself.

Pro Tip: If you are not an experienced bidder, keep it simple by raising your hand. You dont want to miss out on a great unit because the auctioneer didnt notice you tugging on your ear.

5. What valuable items are commonly found in the storage units? Household items, appliances, furniture, tools, and electronics are the most useful common finds. The more obvious the valuable items -- such as cars -- the livelier the auction

Pro Tip: Units that are neatly organized are more likely to have valuable items than units with its contents haphazardly thrown in. But, as is the essence of storage auctions, junk can be organized, and treasures can be hidden. Experienced warriors say that bidding on what you see instead of what may be hidden will yield better results.

6. What happens when I win? When yours is declared the winning bid, you will be required to pay cash onsite immediately.

You will most likely be given 24-48 hours to clean out the unit in its entirety -- treasures, junk, trash and all.

Youll also pay a 50-100 cleaning deposit. This deposit will be returned after youve thoroughly removed all items and swept up. Adhere to this agreement, or youll be banned from future auctions.

Pro tip: Have a plan and bring some friends to help, especially if one of them has a truck and hauler. If you plan on coming back later, bring a padlock to secure your purchases.

7. How likely am I to make a profit? Storage units go anywhere from 1 to 10,000. Because of other bidders, weather conditions, and any number of factors -- including luck -- theres really no way to predict your profit. One of the most exciting aspects of storage auctions is that the playing field is completely even: the auction is free, and newbies and professionals get an equal look at the units ahead of time.

8. What do I do with the junk? The best way to make money through a storage auction is to sell as many items as possible. Craigslist, eBay, and garage sales are great. If you end up with a lot of one type of item, selling them in bulk to a flea market vendor could be economical.

Consider donating gently used items to homeless shelters, rehab facilities, churches, or other local charities. Remember to keep all of your receipts

9. Where can I find out about upcoming storage auctions? Keep a lookout for ads in your local paper, or do a web search for your area. Many sites are devoted to these schedules.

10. What other Pro Tips can you give on being a storage warrior? Decide what you are willing to spend and bring that amount with you in cash. Its good to set parameters when youre first starting out and can easily get caught up in the moment.

The auction will start on time, so check out the route beforehand and arrive early.

Dont invite your non-bidding companions to view the units. When there are too many extra people, the process gets held up. Move quickly and with purpose.

Questions are certainly welcome, but ask them before the auction begins. You will be held to your bid no matter what.

Greet the auctioneer and chat with fellow bidders before business starts. Being a part of the storage auction community can be the best part

Garret Stembridge is part of the team at www.extraspace.com, a leading provider of self-storage facilities. Garret often writes about storage and organization topics for homes and for businesses.


Full Story >


Home Sellers - Four Dirty Jobs Youll Be Glad You Did

Bad smells are one the biggest deal-killers in real estate. If your home smells like pets, mold, smoke or pheromones, youll repulse buyers. If your home sells at all, it will go for less than its worth.

Its time to do a dirty job -- identify sources of stinks and deep clean your home.

Since youre living with it, you may be oblivious to your homes smells. Ask your real estate agent to walk with you through your home and not hold back. You need to hear the brutal truth. Does the carpet smell like a puddle-loving dog? Is there moldy smell in your bathroom?

Youll be glad to know that every smell has a simple cure -- better maintenance. When your house is on the market, you cant let things slide as you normally do. You have to be vigilant for odors and keep your place super-clean every day.

Pets: Pets leave fur, slobber, and loose dirt wherever they go. Some dog breeds, like retrievers, are stinkier than others. If Rover sleeps on his own bed, wash it or replace it with fresh bedding. Dont let your dog get ripe; bathe your dog more frequently than you normally would. Chairs and carpets should be steam-cleaned. If you can, remove pet beds, cat boxes and other signs of pet life during showings.

Mold: It takes a combination of standing water, dark closed-in places and absorbent materials to create mold. If you smell a musty, underground kind of odor, youve probably got a water leak somewhere. If you havent cleaned your pipes in a while, get busy with some industrial strength Drano. Recaulk tubs and sinks. Replace old discolored faucets and shower heads. If that doesnt help, hire a plumber to help you find the source.

Smoke: Nothing will drive 80 percent of your buyers out of your house faster than stale cigarette smoke. Stop smoking in the house. Repaint every wall. Strip and rewax floors. Yes, smoke permeates everything. Everything. Steam-clean all carpets, draperies, curtains, and upholstered furniture. You may even want to move out and let your real estate agent stage your home with fresh showroom furnishings. Its extreme, but so is the reaction of non-smoking buyers.

Pheromones: We humans stink. No deodorant and skipping showers may work for some people, but buyers dont want to smell you and your pheromones, especially if youre not home. Athletic gear, dirty clothes, unwashed sheets and towels, and old pillows and bedding are just a few things that can store body odor. The cure is easy -- bathe more often and dont let laundry build up. Change sheets often, no less than weekly.

We shouldnt have to say this, but there are personal discards that should never be found by buyers, like your "love" towel. Believe it or not, buyers open trashcans. Your agent has probably seen it all - used condoms and feminine hygiene products, band-aids, balled-up Kleenexes, pregnancy tests, and so on. In other words, if it has bodily fluids on it, get it out of the house before your next showing.

If you thought this article was on the raw side, its only because we know how it is out there. Your real estate agent has seen it all, too, and can tell you that every word is true.


Full Story >


Save For a Down Payment On a Home In Just 2 Years

In todays market, you usually need up to 10 percent of a homes purchase price for a down payment. This means a 250,000 home could require 25,000 down plus closing costs. If you saved 1,040 a month for the next 24 months, youd achieve that goal. On the surface, that may seem impossiblebut its not. Make some short-term sacrifices now to save for a down payment on a house.

Move to a Smaller Place

Give up that extra bedroom for the short term. If you rent in a premium location, consider moving to a less expensive area. It may take you a little longer to commute, but it wont be for long. Reduce the amount you are paying in rent by 500, and you will be halfway to your monthly goal.

Take a Part-Time Job

Become a barista at your local coffee shop. Become a yoga instructor at your gym maybe you can get the gym membership for free. Offer babysitting or pet-sitting services to friends and neighbors. Scour thrift stores and yard sales for great finds, and then sell the items on eBay. Find something you enjoy doing, and then find a way to earn a little money doing it in your spare time.

Cut Expenses

If you dont have a budget, now is the time to create one. Examine each line item and ask yourself, What can I do to reduce this amount?

  • Insurance. Speak with your insurance agent and ask for a quote with several different deductibles. Raising your deductible on your car insurance can lower your premiums.
  • Cable and Internet. Survey your cable bill for charges you can eliminate. Most people dont need 148 channels. Internet connection is free at the local library or coffee shop.
  • Cell Phone. Unlimited texting is a luxury, not a need. Reconsider your smartphone.
  • Dining Out. Cook dinner at home and prepare enough for tomorrows lunch. Make your morning coffee at home. Dont eat out as much.
  • Gym Membership. Take up a sport. Running, racquetball, tennis and swimming are aerobic and strength-building activities you can do for free.

Maximize Your Windfalls

Financial windfalls cash gifts, bonuses and tax refunds, for example tend to get lost in the monthly spending shuffle. Deposit these funds directly into your savings account. If you receive regular structured settlement payments, consider selling your future payments for a lump sum of cash now. You could then put the money toward your down payment.

Agree on a Plan

Once you determine which sacrifices you will make, ensure that everyone affected buys in on the plan. Revisit the plan each month to insure you are on track. Dont be afraid to talk about the pitfalls or complain about the sacrifices. This is the time to reassure each other you are in it for the long haul. Before you know it, youll be discussing paint colors for the living room.


Full Story >


Save Over 1,000 On This Stainless French Door Refrigerator In This Weeks Deals and Steals

Its that time of year when the need to fix up the house is starting to take over your every thought. Right? It cant be just us

If youre looking to save a few bucks but still bring home some bright, shiny new stuff, weve got some great steals and deals to share this week.

Walmart has the solution for your cleaning needs with a deep discount on a Hoover WindTunnel vacuum. Regularly priced at 159, its on clearance for just 59. Perfect for those spring cleaning jobs, and wont take a chunk out of your paycheck

Pops of color are on trend for fashion and for home and thats easy to accomplish with this Target ThresholdTM Fretwork Console Table in bright yellow.

Part of Targets Spring Sale, the table also available in gray in case yellow is not your thing, is on sale for 96.99, savings of 33 or 25 percent off the regular price.

Macys Super Stock Up Sale may be the hottest place to shop for everything for the home this week. Savings of 20 to 60 percent storewide plus an extra 15 to 20 percent on select items makes for an exciting shopping experience.

This Cuisinart Chefs >

Still sporting the mismatched appliance look in your kitchen? Perhaps its time to hit up Sears this week during their Kenmore sale. Save up to 35 percent on items like this stainless steel French door refrigerator, just 1499.99, down from 2599.99.

Or this front-load washer and dryer, now 1199.98, down from the regular price of 1799.98.

At those prices, you might want to just buy one of everything

Happy shopping


Full Story >


The Effects Of A Death On Your Title

Question: My mother died a couple of months ago, and my dad wants to make sure that title to his house is in his name. How do we determine the status of title? Dad wants to make sure that upon his death, his three children will not have any problems regarding the house.

Answer: First, while I am sure that your motives are pure, you have to remember that the decision on where to distribute your dads assets when he dies is his -- and his alone -- to make.

The answer to your question depends on how your parents held title. You can ask an attorney to do a title search or you may be able to go to the website of the local recorder of deeds in the county or city where the property is located and get a copy of the original deed to the house.

There are several ways that property can be owned:

Sole owner. This is obvious; you own the property in your own name.

Tenants in common. Here, two or more people own property together. Under a tenant in common arrangement, each owner has a divisible interest in the property. Although most tenant in common ownerships are split equally i.e. 50-50 ownership, there is no legal requirement that it has to be this way. Often, there are financial or other considerations which dictate a different ownership split -- for example 90- 10, or 75-25. For example, parents may buy a house with their children and split up ownership in accordance with a formula they decide upon.

In this arrangement, on the death of one owner, his/her percentage ownership is part of the decedents estate -- and the estate must be probated. The property interest does not transfer to the surviving owner. If there is a Will, that portion of the property will be distributed in accordance with its instructions. If the person dies without a Will called "intestacy" the laws of the jurisdiction where the person was domiciled will control the distribution.

Joint tenants: here, the parties jointly own the property. Although some states require language to the effect that the property is held as joint tenants "with right of survivorship", the majority of the States will consider the property as being jointly held even if this magic language is not included in the deed.

Under a joint tenancy arrangement, on the death of one owner, the property will automatically be transferred to the surviving joint tenant. Probate is not necessary. This is called a transfer "by operation of law". Lets look at this example: A and B own property as "joint tenants with right of survivorship". A dies with a Will which specifically gives As share of the property to C, his child.

However, since the property is jointly held, B will end up with full ownership. C has no claim to the property, and the Will -- as it >

A joint tenancy ownership can, however, be unilaterally separated by one of the joint tenants. Lets go back to our example. While A is alive, he decides that on his death, his share of the property should go to C. He prepares a Last Will and Testament memorializing his intentions. But he also asks his attorney to prepare a deed, changing title to reflect that A and B will now hold title as "tenants in common". Although B should be informed -- as a matter of courtesy -- of this transaction, B has no control over what A does with his share of the property. Now, when A dies, his interest will be distributed to his child C, in accordance with the terms of the Will. Since they now own the property as tenants in common, probate will be required.

It should be noted that some states allow joint tenants to own the property in unequal shares, but in the Washington metropolitan area, property must be held in equal shares.

Tenants by the entireties: this is title reserved exclusively for husbands and wives. Although some married couples will hold title as joint tenants with right of survivorship, the more common arrangement is to take title as tenants by the entireties. This means that on the death of one spouse, the surviving spouse automatically by operation of law becomes the owner of the entire property. Probate is not required.

Title ownership is important in life as well as in death. If, for example, there is a creditor who holds a judgment against one of the joint tenant owners, that creditor can force the sale of the property in order to satisfy the judgment. Let us assume that the judgment creditor is owed 25,000 by one of the joint tenants, and the jointly held house is worth 400,000, with a 200,000 mortgage. The judgment creditor can get a Court Order requiring that the house be sold. The first mortgage lender will get its 200,000, and the remaining sales proceeds after commissions and closing costs are deducted will be divided as follows: the joint tenant who did not owe any money will get half of the balance but the judgement debtors share will be deducted in order to pay off the 25,000 debt.

However, when husband and wife hold title as tenants by the entireties, a judgment creditor of only one of the parties cannot force a sale to satisfy the debt. This can only be done if both husband and wife owe the money.

Some married couples decide -- for tax or estate purposes -- that the house will only be titled in one of the parties. There are advantages and disadvantages to this, and legal and financial advice must be obtained before going this route.

Thus, the way title is owned can be important -- whether you are living or are dead.

Assuming that your parents held the property as tenants by the entireties, your father is now the sole owner. The land records, however, will still show ownership in both names. While it is not critical to have the title placed solely in the name of your father, it is not an expensive process to update the records, and it may solve problems which could arise in later years.

Your father will need a certified copy of your mothers death certificate. This means that the certificate will have an imprinted Seal from the government office which issues such certificates. He will then have to record a document -- called a "confirmatory deed" -- in the office of the Recorder of Deeds in the jurisdiction where the property is located. There should be no recordation or transfer tax, and the filing fee should be nominal, perhaps 20 or 30.

Some local jurisdictions may require some additional documentation -- such as an affidavit of exemption from tax.

Why should your father make sure that title is in his name? Peace of mind is perhaps the most important factor. Additionally, many years later, should the need arise to sell or refinance the property, you may not be able to locate your mothers death certificate. The title company or attorney handling the transaction will require proof that your mother died.

Finally, a number of states have enacted the Transfer on Death Deed. Check with your attorney; it your state has that law, it is something that your dad may be interested in. Oversimplified, you prepare a deed that does not become effective until you die. Its not that simple, however, and you need legal counsel to assist you with this.


Full Story >


Home Decor On The Cheap This Week

Do you have that itch to redecorate? It must be in the air, because were feeling it too. Thankfully, there are some great home dcor deals amp; steals to be had out there, whether youre looking to update your yard, your living room, or your lighting. Weve taken a good look at the sales this week and rounded up some stuff youll definitely want to go get.

A cool rug can ground a space, establish a color palette or give it a pop. And you dont have to spend your whole paycheck to find one. This Artistic Weavers Annu5 Ivory 5 ft. x 8 ft. Flatweave Area Rug does everything you want a rug to do: softens the ground under foot and looks great while doing it.

Its on sale for 130.00, down from 260. You can save 50 percent on a whole bunch of different rugs this week by clicking here.

Its the perfect time to get your backyard ready for summer, and if you have little kids that means a playset. This Gorilla Playsets Rambler might be the answer. Its on sale this week for 1098, down from 1,898. Thats a savings of 42 percent

While youre outside, how about a surprising good deal on a snazzy patio set, like this Hampton Bay Cedarvale 7-Piece Patio Dining Set with Nutmeg Cushions? Its just 539.40 for the set, down from 899. Four cushy chairs, two swivel chairs and a large table AND 40 percent savings? Done.

Whens the best time to think about upgrading the lighting in your home? When you can get a screaming deal on a super glam chandelier, like this Eglo Diadema 5-Light Hanging Chrome Light, on sale this week for 169.20, down from 376. You save 206 or 55 percent

The powder bath is one of those places that can easily look dated and dowdy. But you can make a quick, easy, and affordable update with this Belle Foret Vanity. Hurry for savings of 30 percent on this vanity that used to be 529 and is now just 370.30.


Full Story >


RESPA Applies To More Than Just The Major Settlement Service Providers

Our recent discussion of RESPA, like similar discussions before it, prompts more questions than answers. Perhaps it will always be so. When talk of RESPA enforcement arises, it seems there is always someone who can figure out an exception or some way to work around the rules as they have been understood.

A recent U.S. District Court ruling Henson and Turner v. Fidelity National Financial, Inc., United States District Court Central District of California, March 21, 2014 moves the ball forward toward achieving understanding regarding two issues: 1 What sorts of entities are covered by RESPA regulations? and 2 can payments be considered referrals even if they are not tied to particular transactions?

We remind ourselves that RESPA does not prohibit referrals per se. Rather, it prohibits certain people from getting paid, or paying, for referrals where the referral is for "business incident to or a part of a real estate settlement service involving a federally >

So, to whom does RESPA apply? It is clear that real estate agents and brokerages, title companies, escrow companies, and mortgage lenders are covered; but questions have been raised about providers of services that seemed less central. In 2010, HUD responded to a request from the National Association of REALTORS NAR asking for clarification regarding referral compensation being paid to agents and brokers by home warranty companies. HUDs position was that the provision of a home warranty policy is a settlement service, and it would, therefore, be illegal under RESPA to receive payment for referring such business. A subsequent attempt, in 2012, to have Congress declare that home warranty companies were not covered settlement service providers passed the House as H.R. 2446, but died in the Senate.

In the case at hand, plaintiffs contended that the defendants subsidiaries title company escrows were receiving prohibited kickbacks from delivery services UPS, Federal Express, and OnTrac. In its motion to dismiss, defendant Fidelity argued that " it would produce absurd results to subject companies like Kinkos and Staples to RESPA regulation for tangential services they might provide in real-estate settlements."

But the Court said, "There is no serious dispute that the overnight delivery services were provided in connection with a real estate settlement" Moreover, it went on to assert, "Neither would it be absurd to subject companies like the Delivery Companies, Staples, and Kinkos to RESPA regulations. Congress has not exempted delivery and office-supply companies from the prohibition against kickbacks and unearned fee-splitting. It is therefore not up to the courts to engraft such an exemption onto the statute."

The defendants also argued that the fees it received were not referrals but, rather, were marketing fees. However, the plaintiffs had argued that the periodic fees received by the defendant fluctuated and were based on the volume of business referred.

The Court agreed with plaintiffs that "a prohibited referral agreement need not be connected to a particular transaction..." It said, " when a thing of value is received repeatedly and is connected in any way with the volume or value of the business referred, the receipt of the thing of value is evidence that it is made pursuant to an agreement or understanding for the referral of business." "[T]he prohibited referral agreement need not be linked to each particular real-estate settlement"

The points made in Henson and Turner v. Fidelity wont settle all the questions about RESPA; but they have provided more clarity than we had before.

Bob Hunt is a director of the California Association of Realtors. He is the author of Real Estate the Ethical Way.


Full Story >




Copyright©2014 Realty Times®.All Rights Reserved


Today's Real Estate News and Advice Updated: Thursday, April 24, 2014

Save Over 1,000 On This Stainless French Door Refrigerator In This Weeks Deals and Steals
Its that time of year when the need to fix up the house is starting to take over your every tho...
> Full Story

Save For a Down Payment On a Home In Just 2 Years
In todays market, you usually need up to 10 percent of a homes purchase price for a down paymen...
> Full Story

Home Sellers - Four Dirty Jobs Youll Be Glad You Did
Bad smells are one the biggest deal-killers in real estate. If your home smells like pets, mold...
> Full Story

Copyright © 2014 Realty Times®. All Rights Reserved