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May 2007

Lower your homeowner's insurance rates

Insurance companies are raising rates and dropping coverage in an attempt to reduce their risk exposure. "The old view was that we would have a bad hurricane every few years," says Robert Klein, director of the Center for Risk Management and Insurance Research at Georgia State University. "The tone of insurers started changing after the fourth hurricane hit in '04."

Not ready to give up the surf? There are some ways you can reduce your insurance costs.

Shop Around
"You can easily pay twice as much from one company to another," says Robert Hunter, director of insurance for the Consumer Federation of America. Compare rates of two or more carriers.

Most state insurance commission websites offer price information, a list of the state's leading insurers, and buyers' guides. Visit www.insureuonline.org to find links to each state commission.

If your coverage has been dropped, you can learn about "last resort" options at the commission sites. Most states have insurance pools for residents who can't get coverage, but be prepared to pay higher rates than other residents who still qualify in the private market. For example, those in Louisiana's last-resort option, called Louisiana Citizens Property Insurance Corp., pay premiums that must be 10% above the average of the top ten writers in the parish they reside in. "By law it's more expensive than the private sector," says Jim Donelon, Louisiana insurance commissioner.

Keep Coverage Up to Date
If you've fixed up your house or property, tell your carrier; maintaining your home will reduce your liability. Also, don't overinsure. Madelyn Flannagan, a vice-president of the Independent Insurance Agents and Brokers of America, notes that "homeowners just need to insure the cost to replace the house."

Seek Discounts
Improvements for safety, such as installing windows that can survive winds of 150 to 180 miles per hour, could cut your premium. Ask for a senior discount or for a longevity discount if you're a longtime client. Cobbling together several discounts could offset any increases in your premium. Also, you could save money if you buy your homeowner's, auto, and other coverage from the same insurer.

Adjust Out-of-Pocket Costs
"Play with your deductible," says agent Kathy McKay, of McKay Stelling & Associates, which serves Charleston, S.C. Raising your deductible from $250 to $1,000 might save you 10% to 15% on your premium.

2:08 PM - May. 30, 2007 - comments {0} - post comment

Saving Money When Buying a Home

LendingTree.com provides the following tips to help boost your budget when borrowing to purchase a home:

- Create a budget: Think your house payment should equal your current rent? Think again - there are other costs associated with homeownership, like maintenance and homeowner's insurance. Also, you may qualify for a much more expensive home than you can actually afford. Start by writing down your current monthly expenses. Rent, utilities and your car payment are the biggies, but don't forget bills like car insurance and variable costs like food and clothing, entertainment and gifts. Keep your receipts, and at the end of each week tally them up. After four weeks, you'll have a good idea of how much you spend.

- Start saving for a down payment: If you haven't already, start a savings account dedicated to a down payment. Consider a high yield savings account for this purpose. A down payment of 20% or more will often earn you a break on the interest rate; a larger down payment can also lower your monthly payment. Since you've already completed your budget exercise, you know how much you could be saving each month.

- Check your credit report and score: Your credit score is the major factor lenders use when assessing your mortgage application. The higher your credit score, the better your interest rate is likely to be. For instance, a credit score of 720 or higher is considered excellent; anything below 680 is often considered higher risk. By law, you are entitled to one free credit report per year from each of the three credit bureaus (Experian, Equifax and TransUnion). Once you get a copy, the first things to look for are any errors on your report. You have the right to dispute any mistakes you find. If there are no mistakes, but you discover your credit is less-than-perfect, there are multiple ways to improve your score.

- Research your loan options: Think a 30-year fixed rate mortgage is the only way to go? The truth is there are scores of different loan options. Don't plan on being in your new house forever? Consider an adjustable rate mortgage. Bottom line: there's a mortgage out there to fit your particular situation but what's important - regardless of what mortgage you chose - is to fully understand the loan and the terms before committing to it.

- Get pre-qualified: The best way to stay within your budget and understand what you can afford for your new home is to get pre-qualified for a mortgage. Prequalification involves supplying a lender with basic information regarding your debt, income and assets. From this information, lenders can get an idea of the mortgage amount for which you qualify, and it can usually be done at no cost.

- Get to know your local housing market: Once you've done all the financial prep-work, you can finally start looking at properties. How do you know if the sales prices you see are fair and reasonable? Property tax values as well as sales price history is a matter of public record; there are several good Web sites that will show you the tax values of any address, along with sales data from other properties nearby. REALTORS® are also a valuable resource - it's their job to be experts in their local housing market so lean on them for advice and information.

- Compare mortgage lenders: There are plenty out there, from big banking institutions to smaller specialty mortgage companies. Look beyond the quoted interest rate, which could include points or other fees, when comparing. Make sure the company is well-established with a good recommendation. Comparing lenders allows you to receive multiple competitive offers and ultimately helps you save money on your mortgage.

3:01 PM - May. 28, 2007 - comments {0} - post comment

Sticking with appraisers

Home valuation sites are the rage among homeowners, buyers, and sellers. Instead of hiring an appraiser to look at a house and write up a well educated estimate of its true market value, you can go online, type in the address, and find out the market value yourself instantly and best of all for free. Why pay an appraiser several hundred bucks?  Ralph R. Roberts, the author of Flipping Houses For Dummies, Tells us why he'll stick to appraisers. 

Now, I like technology as much as the next person, and I believe in handing over more power to the people, but this is just another instance in which we are taking the human gatekeepers out of real estate transactions and leaving the system wide open to abuse. We are literally turning the buying process into a free-for-all, in which he who pushes the buttons on the keyboard defines the value of a home. We may as well install money machines in everyone's home that print $20 bills.

With these home valuation sites, whenever a transaction is recorded, the data is automatically transferred to the home valuation system, where sellers and buyers can immediately access the information. While that's not so bad in and of itself, it can intensify the negative effects of real estate and mortgage fraud. If, for example, a property's value is artificially inflated as a part of a flipping scam, that property's inflated value appears immediately online. People selling homes in the same area see the numbers and instantly jack up their asking prices. Buyers see property values rising and are willing to pay more. A con artist who knows how to play the game, can pull the strings on the system like a puppeteer, inflating and deflating the market at will.

Now, you might argue that given the proper incentive, appraisers have been known to fudge the numbers, too. You might also argue that these valuation models are even more honest-after all, can't a computer automatically check whether a property's value is out of sync with the prices of similar properties in the same area? In theory, yes, but in practice, these valuations are significantly less reliable than what competent, certified appraisers can deliver. In some areas, they may be off by 10%. In other areas, the discrepancy can be as much as 50%. I tried to look up the value of my own house, and it wasn't even listed.

In addition, these valuations can be extremely old. Based on a valuation model, a bank could conceivably approve a mortgage loan to purchase a house that burned down two or three months ago. Only a human being, an appraiser visiting that house and looking at it inside and out, can determine whether the valuation is truly accurate.

Recently, I sold a home to a client who was approved for a mortgage loan in less than 24 hours. The lender didn't require an appraisal and never even looked at the house. They relied exclusively on a home valuation model to verify the property's value. I have seen enough fraud to know that if a seasoned con artist had put together a phony deal, that valuation model could not have detected it, and the deal would have proceeded without the slightest hint of suspicion.

As we rely less and less on the human factor as a system of checks and balances, we are sure to see an increasing problem with real estate and mortgage fraud. Home values will be able to skyrocket overnight without governance, creating a housing bubble that will make the dot.com crash of the nineties look like a soft landing.

When I see customers, clients, and even a few of my colleagues singing the praises of these online home valuation sites, all I can say is "No thanks, I'll stick with a licensed, reputable appraiser."

2:55 PM - May. 26, 2007 - comments {0} - post comment

5 Tips for Energy Efficiency

Our friends at Lowe's offer these 5 tips to make your home more energy efficient - and save you money!

2:46 PM - May. 24, 2007 - comments {0} - post comment

Surrounded by foreclosures? Here's how to protect your home

Having lots of foreclosed homes in an area can spell trouble for homeowners in the neighborhoods in which they are located. In addition to the potential for dragging down the values of surrounding homes as lenders try to unload, vacant foreclosures also present an inviting target for vandals and squatters.  "When there are a lot of foreclosures in a neighborhood that will put downward pressure on other homes. The banks will try to get foreclosures off their balance sheet as fast as they can, and they will be aggressive at pricing them," said Celia Chen, director of housing economics at Moody'sEconomy.com.

Even when priced below the competition, foreclosed homes can linger on the market. In the current market it could take up to four months to sell a foreclosed property, particularly those that appeal to "low-ballers" and "bottom-feeders" willing to wait in order to pressure lenders into taking just 50 cents to 75 cents on the dollar for the homes.  Although Moody's Economy.com sees home prices overall declining through 2008 due to excessive inventory, individual owners can take steps to make their property more attractive, Chen said. She recommended home improvements such as fresh paint and landscaping to ward off the impacts of falling prices due to a great number of foreclosures in a neighborhood.

Keeping Watch

For those homeowners fearing that the "low-ballers" and banks trying to unload foreclosed homes will sap the value of their own properties, residents could band together to watch out for a property.

Try forming a little neighborhood watch where people watch over that house to make sure there's no vandalism, no squatters trying to move in, and to avoid people from stealing the fixtures of the home.  Banks will board up houses that are vandalized or that people break into.  Making sure that doesn't happen can keep banks from dumping problem homes at fire-sale prices.

Homeowners who have to sell in an area where foreclosures are numerous might want to follow the lead of home builders, which are throwing in extras in to attract buyers while keeping up the selling price.  "One thing that the builders do is to offer to put all kinds of things into the house at no extra charge, like granite countertops," said David Seiders, chief economist for the National Association of Home Builders. "That gives the buyer more house for the money."

Also, paying your buyer's closing costs is an option that some home builders take, Seiders said. Those strategies "help hold the price up, but they do come out of the builder's margins," he said, as they would cut into home sellers profits.

More than two million households in the subprime market have already either lost their homes to foreclosure or hold subprime mortgages that are likely to fail in coming years, according to consumer groups. According to a recent survey from Yahoo Real Estate and Harris Interactive, 22% of homeowners are at least somewhat concerned about the possibility of foreclosure due to their inability to meet monthly mortgage payments. But even more Americans think there is opportunity in the situation: 37% of all U.S. adults would be at least somewhat interested in buying a house in foreclosure.

Don't Sell in a Panic

It's important to think of homeownership as a long-term investment, said David Berenbaum, executive vice president with the National Community Reinvestment Coalition. "People have been in an environment where they're flipping homes. We need to look at homeownership as promoting intergenerational wealth."

Berenbaum added that owners should remain calm rather than panicking and trying to sell now. Owners don't actually lose money on a home until they sell at a discount to the purchase price, he pointed out.  "We will weather this storm," he said. "At some point the housing market will come around. What we don't want to see are homes that are empty, home that create a destabilizing environment."

2:36 PM - May. 22, 2007 - comments {3} - post comment

Change the light bulb, save the world

According to the Union of Concerned Scientists, if every U.S. household replaced just one regular incandescent light bulb with a compact florescent light bulb, it would prevent 90 billion pounds of greenhouse gas emissions from power plants, the equivalent of taking 7.5 million cars off the road. And the U.S. Environmental Protection Agency says that by replacing regular light bulbs with compact florescent light bulbs at the same minimal rate, Americans would save enough energy to light more than 2.5 million homes for a year and on top of that, replacing one regular light bulb with an approved compact florescent light bulb would save consumers $30 in energy costs over the life of the bulb.

Compact florescent light bulbs use at least two-thirds less energy than standard incandescent bulbs to provide the same amount of light, and they last up to 10 times longer. Compact florescent light bulbs also generate 70% less heat, so they are safer to operate and can also reduce energy costs associated with cooling homes and offices.

How Much Can You Save by Using Compact Florescent Light Bulbs?

For most people, this offers a lot of opportunity for energy and cost savings. Lighting accounts for 20% of the electric bill in the average U.S. home, and the average home has approximately 30 light fixtures.

To save the most energy and money by using compact florescent light bulbs, the U.S. Environmental Protection Agency recommends replacing standard bulbs in areas where lights are used frequently and left on for a long time, such as family rooms, living rooms, kitchens, dining rooms, and porches.

Choosing the Right Compact Florescent Light Bulbs

To make sure you get the same amount of light when replacing standard bulbs with compact florescent light bulbs, check the lumen rating on the light you are replacing and purchase a compact florescent light bulb with the same lumen rating. (A lumen rating is the measure of light the bulb puts out.)

Wattage varies greatly between standard light bulbs and compact florescent light bulbs. Compact florescent light bulbs typically use about one-quarter of the wattage used by standard bulbs to produce the same amount of light. So to replace a traditional 60-watt bulb, look for a compact florescent light bulb that is about 15 watts.

Compact florescent light bulbs are available in many different sizes and shapes to fit in almost any fixture-from three-way lamps to dimmer switches-for both indoor and outdoor use. Compact florescent light bulbs also come in a variety of color temperatures, which helps determine the color and brightness of the light each bulb provides.

Keeping It Simple

None of this is as daunting as it may seem. But to make it really simple, the environmental group Environmental Defense has put together an easy-to-use Web site that lets you search for the compact florescent light bulbs according to where you want to use them or by shape, brightness, color of light or other features.

The site also features user reviews of specific bulbs, and side-by-side photos of energy-saving compact florescent light bulbs with incandescent bulbs to help you determine whether the florescent bulbs will fit your light fixture.

12:22 PM - May. 20, 2007 - comments {0} - post comment

'Pimp' Your House

Most buyers would run screaming. But there's a solution, experts say. It's called staging your home.

The idea isn't the same as decorating your home, which is more about comfort and personalization.  Staging a home is actually de-personalizing or neutralizing the space, so a buyer can see him or herself there, said Missy Tackett, an accredited staging professional with Bedford-based Bayit Designs.

"You've got to look at your house through the eyes of a buyer," she said.

A few tips to would-be sellers:

1) De-clutter.
Clean out the closets, clear off the bookshelves and pack up your prized collection of Star Wars toys. You'll get a head start on packing — and your house will look larger.

"People look when they're buying," Tackett said. "If the closets are cluttered, they won't think you have too much stuff. They'll think there isn't enough storage."  Don't forget to look outside your home as well. Dead plants, old Christmas decorations and grungy patio furniture must go.

2) De-personalize.
Pack up those refrigerator magnets, clear off the kitchen counter tops and take down the huge wall of family photos. And don't forget to put away all the toiletries in the bathroom — yes, even contact solution and your toothbrush.  "It's the feeling you get when you walk in," Tackett said. "You want it to feel fresh."  But don't go overboard,  "If you take everything down it can look stark and cold," she said.

3) Clean, clean, clean.
You're aiming for Q-tip clean.  Wash the windows and clean curtains and blinds.  Don't forget the ceiling fans, the bathtub, woodwork and, if necessary, give walls a fresh coat of paint. Clean the carpet and pack up your rugs — too many could make it look like you're trying to hide problems.

A tip? Don't forget the vent covers. Those can get filthy.

4) Organize.
Make sure furniture is placed in a flow pattern that shows off the size of the room. In the living room or den, for example, organize the couch and chairs around a focal point — the view, a fireplace or even the TV.

5) Atmosphere.
Open all the blinds and turn on the lights so the house looks bright and open.  "Sunshine is the world's best decorator," Larmour-Goldin said.  Use unscented candles if you burn them — too much heavy scent could make buyers wonder what you're trying to cover up. Turn some music on softly.  And if you've got pets, send them to live with a friend for a week or so to make sure the house smells fresh and clean.

It may seem like a lot of work, but the trouble is worth it — particularly for your wallet.

Staged homes see an average increase of nearly 7% in the sales price and stay on the market an average of 50% less time.

12:13 PM - May. 18, 2007 - comments {0} - post comment

How to make your home allergy proof

1. Keep your home cool and dry.
You should keep your home cool and dry to decrease mold and dust mite growth and roach intrusions. After an 18-month study, Larry G. Arlian, PhD, professor of biological sciences and director of the microbiology and immunology graduate program at Wright State University in Dayton, Ohio, found that levels of mites and other allergens dropped significantly in homes where the relative humidity was kept below 50%. To maintain this level, you may need to use your air conditioner along with a dehumidifier. (If you use a dehumidifier, be sure to empty the water daily-or better yet, have the machine run directly into a drain, if possible.)

To track the humidity level, buy a gauge (called a hygrometer) with a digital readout, for about $30. These are available at hardware stores or from allergy supply companies.

2. Get rid of things that have gotten wet.
If any carpeting in your home gets wet-from a flood or a burst pipe, for example-thoroughly clean and dry it within 24 hours. If you can't do this, remove the carpeting, since mold is likely to take hold of the material. Also toss out drapes, stuffed toys, ceiling tiles, and upholstered furniture if they get soaked and you can't immediately clean and dry them.

3. If you must have carpets, think small.
Obviously, hardwood, tile, or linoleum floors are ideal for people with allergies, but if you still feel the need for a soft surface in places, settle for a few washable throw rugs. Just be sure to wash them regularly.

4. Vacuum often.
If you have wall-to-wall carpeting, frequent vacuuming is a must. When you combine regular vacuuming with low humidity and other precautions, the allergy levels in your house will decline-possibly low enough so that they won't trigger your symptoms, says Arlian. Vacuum your carpets at least once a week, suggests Jonathan A. Bernstein, MD, assistant professor of medicine at the University of Cincinnati Medical Sciences Center, or let a family member or friend who doesn't have allergies do it. A vacuum that has a special double-lined bag, a HEPA (high-efficiency particulate air) filter, or a combination of both will trap more of the carpet allergens.

5. Make your home a no-smoking zone.
Smoke is a significant irritant. Secondhand smoke can trigger an asthma attack and aggravate symptoms in people with allergies. In addition, tobacco smoke has been shown to make asthma worse in preschool children-and may even cause it.

6. Ventilate your house.
If humidity isn't a problem in your area, you may want to open your windows and doors and flip on window or attic fans to air out your house and help blow away pollution and allergens. Just make sure when you open the windows that you don't violate the ever-important guideline of keeping your home's humidity below 50%. If you're allergic to pollen that might come in through the open window, you can buy a pollen-proof screen to keep the stuff out of your home.

7. Run a low-odor household.
Even if products such as candles and air fresheners smell good, use caution with products that give off smelly fumes-or avoid them outright. These also include aerosols, paints, perfumes, and cleaners. They may irritate your airways and make your allergies and asthma worse.

8. Dust frequently.
Clean the hard surfaces and shiny floors in your home weekly with treated dust rags, damp mops, or damp rags. Don't use a dry cloth or a feather duster, since you'll just fling the allergens in the dust back into the air.

9. Decorate sparingly.
Ceramic figurines, stuffed animals, wicker baskets, and dried flowers may help you express your personality, but they also collect dust. Use them as sparsely as possible.

10. Keep filters clean.
Regularly clean or replace the filters on your furnace and air conditioners according to the manufacturers' instructions. Generally, when they're in use, you'll need to replace them (or clean them if they are the reusable type) monthly.

Allergen-Proofing Checklist

Weekly
- Vacuum
- Launder your sheets and pillowcases in 130 degrees F water
- Dust all flat surfaces, from tabletops to floors, with a damp cloth or mopWipe window shades and/or wash the curtains
- Clean your kitchen, wiping the stovetop, countertop, and cupboards
- Wash your indoor pets, especially cats, after discussing this with your vet.

Monthly
- Replace your furnace or air-conditioner filter while in use
- Wash stuffed animals in 130 degrees F water. If they can't take the stress of washing, put them in a plastic bag in the freezer for a few days.

12:03 PM - May. 16, 2007 - comments {0} - post comment

A great new tool if you're thinking of remodeling

Anyone who has undertaken a remodel knows that it is no easy task. Most find themselves knee-deep in tile samples and paint swatches trying to imagine the finished room in their minds and then pick the right tile, wall, trim, grout, cabinets and countertops that compliment each other. With Move's new Web site Remodeling Tool, powered by Swatchbox Technologies^TM, design decisions are now easier to envision. Pick a photo of a room similar to yours and click the different choices to find out what cabinets, ceramic tile, countertops, flooring or paint fits your needs.

"Move's new Remodeling Tool is a great resource to help consumers plan and visualize a remodel," said Eric Thorkilsen, president of Move-Related Services division of Move, Inc. "No matter how large or small, design decisions are tough to make but this tool can help," said Thorkilsen.

According to the company, design ideas spring to life with each click of the mouse, enabling users to see instant results that coordinate together. These tools include thousands of products from a broad range of categories. All products featured in each of the seven different Remodeling Tools are branded with real manufacturers' products so users can actually purchase in-store the paint color or specific tile that they choose.

"The remodeling tools on your Web site were very useful in seeing the big picture of what we are trying to create with our home remodel by allowing us to try out different styles and ways to create our perfect kitchen," said Jeff and Carla Hein, from Bothell, Washington who recently used the Remodeling Tool. "We chose cabinet colors, granite tops, trim option and could even look at some paint colors to help complete the room. We would definitely use this Web site again."

12:01 PM - May. 14, 2007 - comments {0} - post comment

Really TAKE that vacation

The survey found that while trying to vacation, 70% of Americans receive phone calls from their offices. On top of that, only 5% of respondents were able to relax as soon as their vacation started; about 60% said it takes one to two weeks to relax - and by then it's time to head back.

"Often we fear losing our edge - that if we wind it down to vacation energy levels and focus and that more laissez-faire attitude, we won't be able to ramp it up again," says Dr. Pam Brill, organizational development psychologist and author of The Winner's Mind: A Proven Method for Achieving Your Personal Best in any Situation (McGraw-Hill, June 2004).

"In reality, this is just plain wrong. Continuing to pound it out when we are reaching our limits is a surefire way to burn out or lose the passion that makes us wonder, 'Why am I doing this?'"  According to Brill, the value of vacation evaporates in 90 seconds to 90 minutes of hitting the job again. No wonder we dread the morning after! Most workers toil for two weeks worth of time to get ready and another two weeks playing catch up upon return. Is it worth it? Brill says it is.

If the alternative is to not go away, to not get that week of deep breathing than enables another view of the life you have created, then the extra work on either side is well worth it. By acknowledging that there is extra effort pre- and post-vacation, you can be literally and mentally prepared.  To make sure that you make the most of your vacation, Robert R. Butterworth, a psychologist who has spent 20 years counseling patients suffering from stress-related disorders, has some suggestions:

1. Starting three weeks before you leave, prepare co-workers with reminders on a weekly basis.

2. Delegate specific tasks to specific people.

3. Assign a trusted person to handle all crisis and emergency matters.

4. Designate one primary contact with the office so that you are not making and receiving calls from an entire staff.

5. Create a specific time when you will be available for emergencies, and stick to it (for instance, you'll take calls each day at noon).

6. Let bosses know that if you are called and are on the clock, reimbursement is expected.

7. Program your e-mail, work telephone and pager to reply saying that you are on vacation and will respond on your return. Give the name of the contact person.

12:16 PM - May. 12, 2007 - comments {0} - post comment

So you have an adjustable rate mortgage, now what?

AFSAEF lists these recommendations for all borrowers with ARMs:

- Make note of the date your initial interest rate adjusts, or "resets," since your monthly payment may go up substantially. You can find the reset date on your monthly statement or by reviewing your loan contract.

- Be familiar with other terms and conditions of your loan, including what type of ARM you have and if there is a fee for paying off the loan early (a "prepayment penalty"). Contact your lender if you have any questions.

- Estimate the "fully indexed rate." An ARM's interest rate is tied to any one of a variety of indexes, most of which are published in the business or real estate sections of major newspapers. Check your mortgage documents to find out the index used by your lender, as well as the lender's margin. An index fluctuates over time, but by adding its most current value to the margin, you can get a ballpark estimate of your fully indexed rate.

- Monitor home sales in your neighborhood. This will allow you to keep track of your own home's value and whether you are building or losing equity.

- If you plan to refinance before the reset date, don't wait until the last minute. Lenders need time to prepare the paperwork, check references and schedule the closing. Ideally, the refinancing process should begin two to three months prior to the reset date of the existing loan.

For borrowers who are experiencing difficulty:

- Contact your lender as soon as possible. The sooner you act, the more likely you are to have a positive outcome.

- Find out your options. These may include forbearance (when the lender postpones foreclosure to give the borrower more time to make payments), mortgage modification programs and help with selling your home before foreclosure occurs.

- Consider refinancing if it puts you in a better position than you are now. This involves evaluating all costs to refinance, including whether you'll have to pay a prepayment penalty.

- Contact an approved housing counseling agency. For a list of agencies approved by the U.S. Department of Housing and Urban Development, visit http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. Another source of help is the Homeownership Preservation Foundation (http://www.995HOPE.org), which has counselors from HUD-certified agencies and sponsors a toll-free hotline (888-995-HOPE) dedicated to preventing foreclosures.

- Watch out for scams. Be leery of "foreclosure specialists" who offer to solve your problems by paying off your mortgage or providing other services for a fee.

- Stay in your home for the time being. You may not qualify for assistance if you abandon your property.

12:11 PM - May. 10, 2007 - comments {0} - post comment

Subprime meltdown

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