Posted by Earl Tsuneyoshi // December 24, 2015
It’s the classic move up dilemma: Which should you do first, buy the new home or sell the old one? The way you work through that problem will depend on your finances and on local market conditions. You would be able to sell the house in a world made perfect for the home buyer, but […]
Posted by Earl Tsuneyoshi // December 19, 2015
Many families across the country struggle to pay their mortgage, whether because of unemployment or because the payment is simply too high. If you find that you’re having problems paying your mortgage (or even just getting the payments in on time), don’t give up hope: there are still plenty of options for you. Although it’s […]
Posted by Earl Tsuneyoshi // December 8, 2015
If the seller does not jump at the offer you have made, expect to get a counteroffer back that is a bit different from what you have offered. The owner can either accept your offer as it stands, reject it outright or respond with a counteroffer that may change terms of the original offer. By […]
Posted by Earl Tsuneyoshi // November 17, 2015
The fundamental structure of a garden is based on a selection of healthy, well-trimmed shrubs, a few gracious trees and if space and water supplies allow, a lush, rolling lawn. Most lawn grasses are known either as cool-season (for the northern and mountain regions of the US Zones 3 through 6) or warm-season (for the […]
Posted by Earl Tsuneyoshi // November 13, 2015
Areas with warm or hot summer nights (i.e. Hawaii) require grasses that are drought and heat tolerant. Warm Season Grasses Bermuda This popular type is a strong creeping and spreading grass but it sometimes tends to develop thatchy spots. It is durable and pest-resistant but it is meant only for sunny locations. In shade, Bermuda […]
Posted by Earl Tsuneyoshi // November 8, 2015
If you’re worried that you might lose your home because you’ve fallen behind on your mortgage payments, then you need to find a way to stop foreclosure. For some people, this can be as simple as getting home loan modifications – but others may actually need to sell their home in order to stave off […]
Posted by Earl Tsuneyoshi // October 29, 2015
Every mortgage has a certain structure that, when explained in legal language, can be difficult to understand. The terms used to describe components – like “the index” and “the margin” – can throw many first-time homeowners for a loop. But understanding your mortgage before signing it is crucial for keeping your payments manageable and your […]
Posted by Earl Tsuneyoshi // October 22, 2015
Short sales have saved many families from the pain of foreclosure. Of course, short sales aren’t just a tool for helping to stop foreclosure. You can use them in other situations when paying a mortgage just isn’t feasible any longer. If you feel that you may be in danger of foreclosure, working with your lender […]
Posted by Earl Tsuneyoshi // October 14, 2015
Many families across the country struggle to pay their mortgage, whether because of unemployment or because the payment is simply too high. If you find that you’re having problems paying your mortgage (or even just getting the payments in on time), don’t give up hope: there are still plenty of options for you. Although it’s […]
Posted by Earl Tsuneyoshi // October 9, 2015
It gets worse with a score of 620 or lower. You are stuck in the subprime mortgage market. That means your scores are not high enough to qualify for a mortgage that can be purchased by Fannie Mae or Freddie Mac, the government-sponsored corporations that buy mortgages and resell them on Wall Street. Other investors will […]