Top Reasons Why To Change Your Locks

If your locks are old or difficult to open, it is time to get them replaced. You may find one day that they have stopped working and you are locked out, or they may break and make it easy for other people to get into your home without a key. You may find one day that they have stopped working and you are locked out, or they may break and make it easy for other people to get into your home without a key.

Diy Aquaponics – The Best Fish Species To Raise

DIY aquaponics is definitely the future to agriculture in my opinion. And with the blossoming of aquaponics gardens worldwide in recent years, this is slowly becoming a reality. One of the most important factors to consider in aquaponics is getting the right aquaponics plants to match with the And with the blossoming of aquaponics gardens worldwide in recent years, this is slowly becoming a reality.

Why is Shared Ownership So Appealing?

Sara

You will need to take out a mortgage to pay for your share of the home’s purchase price. Shared ownership properties are always leasehold. Sourced from: https://www.gov.uk/affordable-home-ownership-schemes/shared-ownership-schemes

The shared ownership offers to sell each party a share of between 25-75% of the home’s value. The next question becomes where and who exactly provides these opportunities. Currently, one of the providers of these services is a HomeBuy agent.

A few private developers in London also run shared-ownership schemes, but these are rare. Sourced from: http://metro.co.uk/2011/11/16/shared-ownership-a-beginners-guide-221930/

Once you own 75%, you will not have to pay rent on the remaining share Sourced from: https://www.gov.uk/affordable-home-ownership-schemes/shared-ownership-schemes The seniors can buy a share of up to 75% in shared ownership

Like any other investment, shared ownership has quotas and restriction on the individuals that can apply for the opportunity. You can buy a home through shared ownership if: your household earns £60,000 a year or less (or £71,000 a year or less in London for a 1 or 2 bedroom property, or £85,000 a year or less in London for a 3 or more bedroom property) you’re a first-time buyer (or you used to own a home, but can’t afford to buy one now) you rent a council or housing association property Sourced from: https://www.gov.uk/affordable-home-ownership-schemes You can sell your shared ownership property at any time, but the housing association has the right to try to find a buyer before you put it on the open market

The amount of cash you and the housing association will get from the sale will depend on the market value of the property at the time. Sourced from: http://www.which.co.uk/money/mortgages-and-property/guides/shared-ownership/what-is-shared-ownership/ Interestingly the offer is only available to people that do not own a home at that moment or used to own a home

What is Title Insurance?

Sara

Title insurance is crucial for a homebuyer because it protects you and the lender from the possibility that your seller does not -- or previous sellers did not -- have free and clear ownership of the house and property and, therefore, cannot rightfully transfer full ownership to you. Sourced from: http://www.nolo.com/legal-encyclopedia/title-insurance-buyer-needs-36126.html

The chances of calling on the title insurance are slim, but, it comes as a great help in cases where the title transfer is not smooth.

The initial cost of the insurance is based on the value of the title. Sourced from: http://myinsurance.co.ke/real-estate-insurance/

Sourced from: http://www.nolo.com/legal-encyclopedia/title-insurance-buyer-needs-36126.html

1.Standard coverage handles such risks as: Forgery and impersonation Lack of competency, capacity or legal authority of a party Deed not joined in by a necessary party (co-owner, heir, spouse, corporate officer, or business partner) Undisclosed (but recorded) prior mortgage or lien Undisclosed (but recorded) easement or use restriction Erroneous or inadequate legal descriptions Lack of a right of access and Deed not properly recorded 2.An extended coverage policy may be requested to protect against such additional defects as: Off-record matters, such as claims for adverse possession or prescriptive easement Deed to land with buildings encroaching on land of another Incorrect survey Silent (off-record) liens (such as mechanics' or estate tax liens)and Pre-existing violations of subdivision laws, zoning ordinances or CC&R's. Post-policy forgery Forced removal of improvements due to lack of building permit (subject to deductible) Post-policy construction of improvements by a neighbor onto insured land and Location and dimensions of insured land (survey not required). Sourced from: http://www.firstam.com/title/resources/reference-information/title-insurance-reference-articles/q-a-about-title-insurance.html

Why Consider an Open House?

Sara

While open houses can be stressful events for anyone involved (except the observers, perhaps), they can be advantageous for both the seller and the realtor involved. Sourced from: https://masseyteam.wordpress.com/tag/disadvantages-of-open-houses/

Open houses can be difficult to prepare and host without any mishaps. Just like many other tactics, the use of an open house has benefits and demerits that each interested party should be aware so that they can make an informed decision.

Open houses are often the place where a potential buyer can wander in from the street. "Yes, you get the nosy neighbors who drop in, but it's amazing how many people move to another house in their neighborhood, so these are also potential customers," says Regina Koller. Sourced from: http://www.newsday.com/classifieds/real-estate/the-pros-and-cons-of-holding-an-open-house-1.1649502

Hosting an open house is just one more thing to drive a seller crazy Sourced from: http://www.newsday.com/classifieds/real-estate/the-pros-and-cons-of-holding-an-open-house-1.1649502 The Internet Has made Open Houses Less Effective

[youtube video=https://youtu.be/WJhE3sVj_AI ] Sourced from: https://masseyteam.wordpress.com/tag/disadvantages-of-open-houses/

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