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While waiting for closing, here are a few things to avoid: Major purchases - this includes a car, major appliances, furniture, a vacation, etc. - anything that will create or increase debt on your credit report. This not an unusual problem for home buyers, in fact, in many cases, would-be home buyers found that because of making a major purchase before closing, they could no longer qualify to purchase their home. If at all possible, wait until after the closing and even move-in to consider ma... Read Full Post

Most property owners approach the process of purchasing their “Homeowner” policy based on premium amount. However, when it comes to making a claim after disaster strikes, the property owner often discovers that his policy limits are not enough to cover the repair/replacement amount. The reality of coverage limits and premium rates: “When the property owner sacrifies the coverage he/she actually needs for a lower premium amount, and if there is a major claim, the property owner will be s... Read Full Post

(RESPA) Real Estate Settlement Procedures Act is a consumer protection law that was created to serve you - the consumer - and be your "‘overseer or watchdog” of lender services or fees billed to consumers and eliminate kickbacks, unethical practices or referral fees. Read Full Post

Your wish list should include features you and your family would like to have along with a list of items you absolutely must have - for example: You would like to have: A corner lot Gameroom Large Pantry Eat In Kitchen Sidewalks or Greenbelts You must have: A certain school district 4 bedrooms, 2 bathrooms Natural Gas appliances for energy efficiency Large backyard Easy Access to major freeways Read Full Post

During Consumer Protection Week – a major goal of the Greater Houston Foreclosure Prevention Task Force is to distribute education, resources, tools and counseling information to homeowners and counselors to provide solutions, directions and help families recover from foreclosure.If you think you may be headed for trouble with your mortgage – review this list to help you determine when you should be calling for help.1. As soon as you are aware that you cannot pay your mortgage loan you sh... Read Full Post