Home Equity Loan Tip Article
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August 30th, 2006 at 1:32 pm
Better Judgements eZine
Terria Judge, Realtor
CRS, ABR, GRI, Broker Associate
Better Judgements is a newsletter on home matters, from Terria Judge, your Garden City, KS real estate agent!
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Terria Judge
Coldwell Banker, The Real Estate Shoppe, Inc.
John P. Judge, Broker
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Garden City, KS 67846
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In this Issue
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1. Article: Is It Risky Taking Out A Home Equity Loan In 2006?
2. Features at TerriaJudge.com
3. Featured & New Listings
4. Article: Get Your Home Ready To Sell
5. September Days: Interesting Days of the Month
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Is It Risky Taking Out A Home Equity Loan In 2006?
By Barry McDonald
Is the party over for people looking for home equity loans? It
may be, by the looks of the financial reports coming in from
2005. It seems that there was a slowing down in the housing
market at the end of last year. House prices have started to
slowly fall although they are still higher than they were last
year and the number of people looking to take out new mortgages
has started to decrease.
Many home owners have had a bonanza this past couple of years
by freeing up the increasing equity in their home to purchase
big ticket items like cars, home improvements and using their
home as a virtual ATM machine to make up the difference that
maybe lacking in their take home income. But as easy at it
maybe have been to get the new home equity loan it all has to
be paid off, with interest, added to the fact of declining
house prices and a few home owners could be putting themselves
to added risk.
Last week the federal regulators to gain some control have
advised banks and lending agencies from offering interest only
loans they have people needed to purchase homes at today\'s
prices. Interest rates have risen by more than three
percencentage points since mid 2004 which have had the effect
of slowing up consumer spending and slowing up the housing
market. Although this has worked well up this point in time the
housing market has now become nearly half of last years growth
rate and has been estimated to have given one million extra
jobs to the economy. To avoid putting this in jeopardy it\'s
thought interest rates may be cut back to protect this. So what
about 2006, it looks like the property market will still remain
strong this year but take you time and shop around for the best
deals before taking out a home equity loan.
About the Author: For more information on home equity loans,
how to avoid home equity loan scams and how to protect
yourself. visit http://www.allabouthomeequity.com/ for details.
Source: http://www.isnare.com
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New Features at TerriaJudge.com
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MORTGAGE CALCULATOR: http://terriajudge.com/calculator.html
OPEN HOUSES: http://terriajudge.com/calendar.html
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FEATURED & NEW LISTINGS
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*new* http://terriajudge.com/featuredlistings.html
Just visit Terria at http://terriajudge.com/marketevaluation.html to fill out an interest
form if you'd like to list your home!
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Get Your Home Ready To Sell
By Chris Hickman
Have you been considering selling your home in the near future?
If you have, then it wouldn't be a bad idea to take a good long
look at your home, using an unbiased eye.
After all, a clean, appealing, well maintained home has much
better odds of selling, selling for more, and selling faster.
When looking at your house, the thing you need to keep
repeating to yourself is that \"first impressions are lasting
impressions.\" This couldn't be truer when it comes to selling
real estate.
However, this doesn't mean that you should take on a major
renovation project just so that you can sell your property.
Remember, there are no guarantees that you would recover the
costs of an enormous overhaul.
Instead, take a more conservative approach, and have a look at
the different cosmetic improvements that can be made for an
overall improvement. These can include things such as cleaning,
painting, refinishing, and other such efforts. These are the
projects that don't require all that much capital, and yet they
make an immeasurable improvement to the overall look of your
home.
Before you take on any fix-up-for-sale projects, take on the
mindset that you are sprucing up your home in order to sell it.
Don't think of it as fixing it up for someone else. You're
trying to create more of an appealing look than you are a
perfect home.
If you fix up the house with a certain person in mind, you're
limiting your market. Limiting your market will usually mean a
slower sale, and a lower selling price.
So instead of tackling a whole mess of huge projects, just
focus on making the home attractive, clean, presentable, and
well maintained. Let the new owners do their own
customizations.
About the Author: Chris Hickman owns a website that will take
you all around your property and let you know the very things
that you can do to get the most out of your sale, without
having to dump huge amounts of time, money, and energy into
repairs. Check Out his site at
http://www.home-selling-miracles.com
Source: http://www.isnare.com
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SEPTEMBER DAYS!!
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Astrological Signs
Virgo - August 23 - September 22
Libra - September 23 - October 22
September's Birthstone: Sapphire
September's Flower: Aster
September is:
Apple Month (US National)
Baby Safety Month
Be Kind to Editors & Writers Month
Chicken Month (National, US)
Childhood Cancer Awareness Month
Children's Good Manners Month
Cholesterol Education Month
Classical Music Month
Coupon Month (National, US)
Ethnic Foods
Eye Health & Safety Month
Fall Hat Month
Food Education Safety
Healthy Aging Month
Hispanic Heritage Month (September 15 - October 15, 2005)
Jazz Month
Honey Month (National, US)
Library Card Sign-Up Month
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Marriage Health Month
Mushroom Month
September is Mushroom Month in Pennsylvania. Pennsylvania is #1 in mushroom production!
Organic Harvest Month
Recovery Month (National)
Rice Month
Reye\'s Syndrome Awareness Month
Self Awareness Month (International)
School Success Month (National, US)
Self- Improvement Month
Sewing Month (National, US)
Sickle Cell Month (National US)
Sports and Home Eye Safety Month
Southern Gospel Music Month
Tiger Month
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