HUD Announces Reduction in Mortgage Insurance Premiums for FHA Borrowers

by Kim Robbins

HUD announces changes that will save borrower thousands!

HUD Announces Reduction in Mortgage Insurance Premiums for FHA Borrowers

Recently, HUD released details of a long-anticipated plan. HUD announces reduction in mortgage insurance premiums for FHA borrowers. Currently, FHA borrowers are charged by 30 basis points (0.3% of the loan balance). Excitingly, this could benefit up to 850,000 borrowers over the coming year. Also, this would save these families an average of $800 annually. The premium will be reduced from 0.85 percent to 0.55 percent for most FHA borrowers. In this blog post, we will discuss the details of this announcement and what it means for FHA borrowers.

What is the MIP?

So, what is MIP? The mortgage insurance premium (MIP) is a fee that the Federal Housing Administration (FHA) charges borrowers who take out FHA-insured loans. On a positive note, MIP protects the lender in case the borrower defaults on the loan. The borrower pays MIP monthly lumped in with their mortgage payment.

Reduction in MIP

According to the HUD release, the 30 basis point annual MIP reduction will apply to almost all Single Family Title II forward mortgages insured by FHA. All elible properties with receive this benefit. This includes single-family homes, condominiums, and manufactured homes.

Consequently, FHA borrowers stand to receive significant savings from this reduction in MIP. For example, the average FHA borrower purchasing a one-unit single-family home with a $265,000 mortgage will save approximately $800. Moreover, the national median home price as of December 2022 was$467,700. FHA’s annual MIP reduction will save a borrower with that mortgage more than $1,400 in the first year. Additionally, the reduction can also help more people qualify for a mortgage. Because the reduction in the overall cost of homeownership, potential buyers may be able to qualify for a mortgage with less income.

Impact on Homeownership

Next, reducing the cost of homeownership is an undeniably essential step towards increasing homeownership rates in the United States. In fact, low and moderate-income households are most effected by this change. As HUD Secretary Marcia Fudge notes, “we continue our work to address longstanding disparities in homeownership.” This reduction in MIP will make homeownership more affordable and accessible for many households. Most importantly, those struggling to make ends meet may be closer to making home ownership a reality.

Effective Date

The annual mortgage insurance premium reductions will be effective for mortgages endorsed for insurance by FHA on or after March 20, 2023. This means that borrowers who have already closed on their FHA-insured loans will not be eligible for the MIP reduction.

Conclusion

Finally, the reduction in the annual mortgage insurance premium by HUD is a significant development. The benefits can reach up to 850,000 FHA borrowers over the coming year. This reduction in MIP can result in significant savings for borrowers. It can also make homeownership more accessible and affordable for many households. As the Secretary of HUD notes, this reduction in MIP is an essential step towards reducing longstanding disparities in homeownership.

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Financing • Housing market • Moving Tips • Real estate • Why use a real estate agent • April 27, 2023

Mortgage fees are changing. Here’s what you should know.

by Kim Robbins

Mortgage fees are changing for homebuyers next month. Here’s what you should know.

Mortgage fees are changing. Here’s what you should know. Starting May 1, upfront fees for loans guaranteed by Fannie Mae and Freddie Mac will be adjusted because of changes in the Loan Level Price Adjustments (LLPAs). These are the fees that vary from borrower to borrower. They are based on their credit scores, down payments, types of home, and more.

What are the fee changes?

The entire matrix of fees based on credit score and down payment has been updated. If you have a top credit score, you’ll still pay less. However, the penalty now for having a lower credit score will be smaller than it was before May 1. For example, if you have a score of 659 and are borrowing 75% of the home’s value, you’ll pay a fee equal to 1.5% of the loan balance. Before these changes, you would have paid a 2.75% fee.

On the other end, if you have a credit score of 740 or higher, you would have paid a 0.25% fee on a loan for 75% of your home value before May 1. After that date, you could pay as much as 0.375%.

What loans do these fees apply to?

Any loan that’s guaranteed by either Fannie Mae or Freddie Mac, regardless of the lender.

Why are these changes being made?

These changes are part of the Federal Housing Finance Agency’s broader examination of fees. The aim is to provide “equitable and sustainable access to homeownership” and shore up capital at Freddie Mac and Fannie Mae.

Are these positive changes?

It depends on which side of the spectrum you land. While people with higher credit scores will benefit from the changes, people with lower credit scores may end up paying more.

“I can see both sides,” said Hakan Wildcat, mortgage area manager in Kansas for Guardian Mortgage. “Are there going to be people who qualify for a loan but maybe shouldn’t? Maybe, but that’s probably a very small percentage,” he said. Then added,”But I can see at the end of the day, money is money and if you have great credit, why should you be penalized?

“We’re going to have to see it in practice and see how it plays out but overall, the thought process is probably sound and good,” he said.

Other Changes on the Horizon

The Housing Finance Agency also plans a fee on August 1 for borrowers with at least a 40% debt-to-income ratio and 60% loan-to-value ratio. This is calculated by how large your loan is compared with the value of your home. This fee was also supposed to take effect May 1 but was delayed after pushback from the industry.

As a standalone measure, debt-to-income ratio is not a reliable indicator of a borrower’s ability to repay, said the Mortgage Bankers Association, an industry group.

“A borrower’s income and expenses can change several times throughout the loan application and underwriting process,” wrote Bob Broeksmit, Mortgage Bankers Association president and chief executive, in a recent blog post. “This is especially true in today’s labor market, which is shaped by the growth in self-employment, part-time employment, and gig economy employment.” This would “create complications and problems for borrowers and lenders alike.”

The debt-to-income ratio fee will also likely affect a larger group of potential buyers, Wildcat said. “A lot of people fall above 40% debt-to-income ratio, and this is going to impact their purchasing power.”

Wondering how this might effect you? Let’s connect!

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Entertaining Tips • Homeowner Tips and Tricks • Real estate • Selling • What is home? • April 19, 2023

Staycation Innovation – Make Home the Only Place You Want to Be

by Kim Robbins

Staycation Innovation – Make Home the Only Place You Want to Be. If your own backyard is likely to be your leisure-time destination this summer, you may as well daydream some plans to amp things up out there. Ponder these fun and fabulous ideas that just might get your wheels turning and help make your home the only place you want to be.

Alfresco Pizzeria

First, patio kitchens have already impressively elevated the concept of cooking outdoors. You can find anything from sinks, refrigerators, warming drawers to even wine coolers. Consider a novel component that will really kick things up a notch. If you love crispy brick-oven pizza, what better way for you and the family to enjoy a piping hot slice than in the fresh air and under a twinkling canopy of stars? Conduct some online research. Sketch a few layout options that make sense for your space. With a touch of imagination and an investment in a bit of creative masonry, you and the whole troop could soon be sinking your teeth into an alfresco-prepared, pepperoni-covered creation that deliciously celebrates the season.

Tranquility Space

Next, the peacefulness of a water feature is the perfect addition to a budding backyard oasis. It can also be an ideal focal point that complements both small and larger spaces. Wonderfully delightful options include waterfalls and fountains. These produce the pleasant sound of trickling water and maybe some vibrant koi fish for visual appeal. Consider the addition of native plants and flowers to attract wildlife such as chirping birds and frogs. Be the architect of your very own happy place. Add a hammock or stylish swing chair to the tableau and you’ve just found your new favorite book nook. Now you can tackle that summer reading list in blissful comfort.

Gaming Arena

Whenever the family is gathered for some quality time together, a little lively competition can go a long way. Any number of nifty games can be set up and enjoyed right on your own lawn. A rousing round of bocce ball, croquet or even traditional cornhole will be enough to liven things up at home and get everyone joining in the fun. The key is to create a dedicated recreation space. For something like classic horseshoes, for instance, you can jazz things up by incorporating special features like retaining walls and backstops to make the arena feel official. Consider adding a bordering landscaping to help separate the area as a designated gaming spot. Once you’re all set up, choose your teams carefully and let the tournament begin!

Entertainment Hub

Envision whiling away the lazy days of summer poolside or out on the patio? Rest assured that you won’t have to give up your favorite technologies at the same time. It’s possible to sing along to the musical hits of the 80s and even binge watch that hot new drama everyone’s talking about as you kick back and enjoy the great outdoors. Wireless connectivity has become increasingly advanced. These include hidden speakers and waterproof flat screen TVs that offer perfect sound and image quality while seamlessly blending in with your natural outside space. Introduce such high-tech conveniences to your out-of-doors living area and benefit from the very best of both worlds.

As you can see, there’s no need to wander very far to make the most of the season. If you’re feeling inclined to give the yard a little tender loving upgrade, the ultimate summer vacation may be just a few steps away – right out your own back door.

Would you rather skip the updates and just get the house with the attributes you most want and need? Check this out for tips on what to do next!

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Homeowner Tips and Tricks • April 13, 2023

Spring Lawn Care Steps: Tips for Homeowners

by Kim Robbins

Spring Lawn Care Steps: Tips for Homeowners

As a new homeowner, taking care of your yard can be overwhelming. With spring just around the corner, it’s important to start thinking about spring lawn care. Here are some spring lawn care steps to get your yard in shape for the season.

Rake and Clean Up Debris

The first spring lawn care step is to rake and clean up any debris left over from the winter months. Dead leaves, branches, and other debris can suffocate your lawn and prevent it from getting the necessary sunlight and nutrients. Use a rake or leaf blower to clear away any debris, and dispose of it properly.

Aerate Your Lawn

Aerating your lawn involves poking small holes in the soil to allow air, water, and nutrients to penetrate deeper into the roots of your grass. This helps to promote healthy growth and a strong root system. You can rent an aerator from your local home improvement store, or hire a professional lawn care company to do it for you.

Fertilize Your Lawn

Fertilizing your lawn in the spring is an important step in maintaining a healthy and lush yard. Use a high-quality fertilizer that contains nitrogen, phosphorus, and potassium, which are essential nutrients for plant growth. Be sure to follow the instructions on the packaging and avoid over-fertilizing, as this can damage your lawn.

Seed Bare or Thin Areas

If you have bare or thin areas in your lawn, spring is the perfect time to reseed. Choose a grass seed that is appropriate for your climate and soil type, and follow the instructions on the packaging for the best results. Be sure to water the newly seeded areas regularly and keep them moist until the grass has established itself.

Control Weeds and Pests

Weeds and pests can quickly take over your lawn if left unchecked. To prevent this, use a pre-emergent herbicide to control weeds before they have a chance to germinate. If you notice any signs of pests such as grubs or insects, use an appropriate insecticide to control them before they cause significant damage to your lawn.

By following these simple steps, you can ensure that your yard is healthy and beautiful throughout the spring and summer months. Remember, proper spring lawn care is essential for maintaining a lush and vibrant lawn.

Housing market • Moving Tips • Real estate • Selling • What is home? • Why use a real estate agent • April 5, 2023

Two Reasons You Should Sell Your House

by Kim Robbins

These are the top two reasons people are considering selling right now

Two Reasons You Should Sell Your House

Wondering if you should sell your house this year? As you make your decision, think about what’s motivating you to consider moving. A recent survey from realtor.com asked why homeowners are thinking about selling their houses this year. Here are the top two reasons you should sell your house (see graphic below):

Let’s break those reasons down and explore how they might resonate with you.

1. I Want To Take Advantage of the Current Market and Make a Profit

When you decide to sell your house, how much you’ll make from the sale will likely be top of mind. So, here’s some good news: according to the latest data, the average seller can expect a strong return on their investment when they make a move. ATTOM explains:

“The $112,000 profit on median-priced home sales in 2022 represented a 51.4% return on investment compared to the original purchase price, up from 44.6% last year and from 32.8% in 2020.”

Even though home prices have declined slightly in some markets, they’re still much higher overall than they were just a few years ago. To understand what’s happening with home prices in your area and the current value of your house, work with a local real estate professional. They can give you the best advice on how much you could gain if you sell this year.

2. My Home No Longer Meets My Needs

The average person has been in their house for ten years. That’s a long time when you think about how much may have changed in your life since you moved in. And typically, those changes have a direct impact on what you need in a home. Whether it’s more (or less) space, different features, or a location closer to your work or loved ones, your current house may no longer check all the boxes of what feels like home to you. If that’s the case, it could be time to work with a real estate agent to find a better fit.

Bottom Line

If you’re thinking about selling your house, there’s probably a good reason for it. Let’s connect so you can make a move that’ll help you accomplish your goals this year.

You may also be interested in An Expert Gives You Clarity in Today’s Housing Market to learn more about how we can help you get where you want to be!

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Home Owners Insurance • Homeowner Tips and Tricks • Real estate • Why use a real estate agent • April 3, 2023

What do to after a tornado. Disaster has struck, what now?

by Kim Robbins

Interview with insurance agent on what to do after a tornado

Natural disasters like tornadoes and high winds can cause a significant amount of damage to personal property. This can leave homeowners feeling overwhelmed and unsure of what to do next. Where tornadoes and high winds are common, it’s important to know what steps to take after a storm hits. In this post, we’ll go over some key actions you can take to get your life back on track after a tornado or high winds hit your house or other personal property.

Stay Safe

The first and most important thing to do after a tornado or high winds hit your house is to make sure you and your family are safe. Check for any injuries and seek medical attention if needed. If your house is severely damaged, it may be unsafe to remain inside. Leave your home immediately and seek shelter elsewhere until you can safely return.

Document the Damage

Once you’re safe, it’s important to document the damage to your property. Take pictures or videos of the damage. This may include any structural damage, water damage, or other types of damage to your personal property. This documentation will be crucial when you file an insurance claim. It will help prove the extent of the damage and the losses you incurred.

File an Insurance Claim

After documenting the damage, contact your insurance company to file a claim. Be prepared to provide the documentation you gathered, as well as any other information your insurance company requests. Your insurance company will likely send an adjuster to assess the damage, so be sure to keep any damaged items on hand until the adjuster has had a chance to evaluate them.

Conclusion:

Experiencing a tornado or high winds can be a traumatic experience, but knowing what to do after a storm hits can help you get back on your feet faster. Remember to prioritize safety, document the damage, and file an insurance claim as soon as possible. By taking these steps, you can start the recovery process and get your life back to normal. If you have any additional questions or concerns, be sure to reach out to your insurance company or a professional restoration company for guidance.

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Housing market • Real estate • Why use a real estate agent • April 3, 2023

Spring 2023 Appraisal Issues-How to Navigate them

by Kim Robbins

Learn how to navigate appraisal issues this spring 2023

As we move into the spring 2023 real estate market, both buyers and sellers are facing appraisal issues that are impacting their ability to buy or sell a home. In this blog post, we will discuss these appraisal issues in detail, their impact on the real estate market, and what buyers and sellers can do to navigate them.

What is an Appraisal?

Before we dive into the specific appraisal issues in the spring 2023 housing market, let’s first define what an appraisal is. An appraisal is an assessment of the value of a property, conducted by a licensed appraiser. The appraiser evaluates the property based on various factors. The include location, size, condition, and recent sales of similar properties in the area.

Spring 2023 Appraisal Issues

In the current real estate market, there are several appraisal issues that buyers and sellers are encountering. Here are some of the most common ones:

Low Appraisals: One of the most significant appraisal issues in the spring 2023 housing market is low appraisals. A low appraisal occurs when the appraised value of a property is lower than the agreed-upon purchase price. This can be a problem for buyers who may not be able to secure financing for the full purchase price. Alternatively, sellers may be forced to reduce their asking price or lose the deal altogether.
Appraisal Delays: Another appraisal issue is delays. Due to the high demand for appraisals, many appraisers are experiencing delays in completing their assessments. This can cause delays in the closing process, which can be frustrating for both buyers and sellers.
Inaccurate Appraisals: In some cases, appraisals may be inaccurate. This can happen when the appraiser is not familiar with the local market or when there are not enough comparable properties to use for the assessment. Inaccurate appraisals can lead to problems with financing and can ultimately derail a real estate transaction.

Impact on Buying and Selling a Home

Appraisal issues can have a significant impact on both buying and selling a home. For buyers, low appraisals can make it difficult to secure financing for the full purchase price. This can lead to either renegotiating the purchase price or finding alternative financing options. For sellers, low appraisals can mean reducing the asking price, which can result in a loss of profit.

Appraisal delays can also impact both buyers and sellers. Delays can push back the closing date, which can be frustrating for buyers who may have made moving arrangements or given notice to their landlord. For sellers, delays can mean having to hold onto their property for longer than anticipated. Thus potentially causing an unanticipated financial burden.

What Can You Do?

If you are buying or selling a home in the spring 2023 housing market, there are a few things you can do to navigate appraisal issues. Here are some tips:

Work with a knowledgeable real estate agent who can help you navigate the appraisal process and provide guidance on how to handle appraisal issues.
Be prepared for delays. Build extra time into your closing schedule to account for potential appraisal delays.
Be flexible on price. If you are a seller and receive a low appraisal, consider lowering your asking price to keep the deal on track. If you are a buyer, be prepared to renegotiate the purchase price if the appraisal comes in low.

In Conclusion

The spring 2023 housing market is facing several appraisal issues that can impact both buyers and sellers. From low appraisals to delays, these issues can be frustrating and challenging to navigate. However, by working with a knowledgeable real estate agent, being prepared for delays, and being flexible on price, you can successfully navigate these appraisal issues and achieve your real estate goals.

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Moving Tips • Real estate • What is home? • Why use a real estate agent • March 31, 2023

Consider these elements when moving long distance.

by Kim Robbins

Consider these elements when moving long distance.

If you are one of the millions of Americans seeking a life change by moving to a new state, Coldwell Banker’s Move Meter is an excellent resource to determine what state is a fit for you. Simply fill in where you live and where you are considering moving to and the Move Meter will use data to compare key factors such as taxes, schools, home prices and overall quality of life! Once you decide on the new state you are moving to and are ready to move, consider these elements when moving long distance. And don’t forget to use an agent!

Factors that affect the price of long distance moves

How far are you moving?
When are you moving? Think of it like airplane tickets, the busier the time, the more expensive the ticket. Usually, moving companies are the busiest at the end of the month and in the summer.
How much stuff are you moving?
Will you pack yourself? Or, is the moving company packing for you?

Consolidated shipping

Instead of sending a giant semi truck across the state line with only your belongings onboard, check to see if your moving company can consolidate your long distance move with other clients’ shipments. This method of consolidated shipping allows everyone to receive the lowest rate for long distance moves.

If you need to move quickly, or have a large amount of items to move, you can always pay full price for an entire truck.

Delivery windows

Sometimes for long distance moves, moving companies give a delivery window and not an exact arrival date. They know conditions like weather and road closures can often slow down the moving truck. And, if your belongings are part of a consolidated shipment, it takes time for the movers to pick up and deliver other clients’ shipments along the way.

Accessorial charges

Does your move involve any extra circumstances like flights of stairs? An elevator? Will the truck have to park far from your front door? By the way, the moving lingo for “extra circumstances” is “accessorial charges”.

Storage

Will your belongings need to be in the moving company’s storage while you’re getting your new place ready?

Best money saving tip

The best way to truly save on the cost of your move is to choose a moving company based on their reputation. Make sure they have provided stellar service to their clients for years.

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Home Decor • March 30, 2023

Wallpaper With Personality

by Kim Robbins

Wallpaper With Personality

Wallpaper is back. And you’ll be glad it is. With all the exciting new colors, patterns and textures, you can wallpaper with personality! Today, stylish wallpaper is being used in small spaces, such as powder rooms and mudrooms. Also, wallpaper can add a beautiful accent, providing pops of color that brighten up an area. Simultaneously, wallpaper can give it a more customized look.

Wallpaper choices range from traditional floral patterns to modern art deco designs, with patterns ranging from subdued to bold. Today’s wallpaper is also much easier to apply and remove, so you can create a big impact without the hassle and mess. So, where do you begin? It depends on the look you’re going for.

Create Visual Interest With Texture

Firstly, if your space needs some personality, textured wallpaper may be the answer. Its three-dimensional design mimics just about any material, giving the room an unexpected visual element. Faux stone or wood adds rustic charm. Floral or scroll patterns evoke an antique or vintage vibe. Many textured papers are even paintable, so if you ever want to change things up, you can give your walls new life with a coat of paint.

Add a Touch of Glow With Metallics

To start, for a glamorous feel, metallic wallpaper is an elegant choice. Your space will sparkle with movement as gold, silver and black elements reflect the light. Some metallic papers are also textured, producing shadowed accents that add depth and intrigue.

Soften Up With Fabric

Fabric or textile wall coverings are undeniably among the oldest types of wall decoration. These can complement a bedroom’s soft furnishings, giving it a luxurious feel. You can find both manmade and natural fibers. These include paper mimics velvet, silk, linen or cotton. Being that these materials are also breathable and porous, they are less susceptible to mold spores. However, keep in mind that fabric wallpaper can be affected by moisture and extreme heat.

Go Green With Naturals

Also, you can choose from newer wall treatments made from environmentally friendly, natural products. Bamboo or grass cloth have increased in popularity. Certain brands are handcrafted and create quite a conversation piece. Consequently, this allows you to capitalize on the material’s innate color and texture variations.

Wow Them With a Mural

Additionally, on a feature wall, a mural makes a bold a statement. It can help bring the beauty of the outdoors inside. Transform a room with dramatic floral arrangements. You may also find sweeping landscapes, lush forests and a variety of other picturesque nature-scenes.

Find Your Inner Child With DIY Options

Furthermore, if you’re looking to add a bit of playfulness, coloring wallpaper is just the ticket. It’s not only an ideal addition to a child’s room, but also adds a fun element to any entertaining space. Just like coloring books, this wallpaper comes in a plethora of themes. It can be minimal or a highly detailed in design. With most often coming in peel-and-stick form, you can easily remove it and apply a new pattern.

Where to begin…

Feeling timid about jumping on the wallpaper bandwagon? Consider starting with a small project. Give your lamps some personality by applying wallpaper around the edges of the shades. Wallpaper the top of a side table that isn’t getting much use. Or paper the back wall of a bookcase or curio cabinet to introduce surprise depth. No matter the project, wallpaper has the unique ability to create a space in your home that’s every bit as distinctive as you are.

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Entertaining Tips • What is home? • March 27, 2023

Guest Room for Warmest of Welcomes

by Kim Robbins

Guest Room Tips for the Warmest of Welcomes

Opening your house to guests is one of the many joys of being a homeowner. You can make guests feel welcomed and comfortable by following these simple tips. Create a guest room for warmest welcomes where flexibility is key in getting the most out of your guest quarters.

Create the Ultimate “Flex” Room

Flexibility is key in getting the most out of your guest quarters. If you host frequently, the room will likely be used by a wide variety of people. This could be your high school bestie visiting with her kids on spring break. Great Auntie Edna could be there for the holidays or your nephew who’s in town to tour college campuses.

Plan Ahead

If you expect to children or multiple guests at the same time, consider investing in bunk beds or at least twin beds to offer several possible combinations of sleeping arrangements. The important thing is to plan ahead and anticipate who you may be hosting. So, keep this in mind when decorating the space as well. Selecting a neutral color palette (step away from that ruffled, hot pink comforter!) will ensure that everyone feels content in their home away from home.

Add Some Local Flavor

Showcase your local community by displaying the highlights or most popular features of your city. Display a coffee table book about its history or attractions. Framed postcards or other artwork that show the best and coolest spots around town will not only dress up the space, but also give visitors a little taste of what they might see and do during their stay. Go one step further and stock the dresser drawer with brochures or travel magazines they can browse through. This way they can gather ideas about an itinerary for their vacation.

Walk a Mile in Their Shoes

Want to really understand what your visitors might need? Spend a night in your guest room with suitcase in tow, and you’ll discover all sorts of little niceties that would make a difference to your guests: handy hooks for wet towels, extra blankets in the bureau, plenty of empty hangers in the closet, a convenient luggage rack, drink coasters for the nightstand, an alarm clock or even a collection of short stories for nighttime reading. Endeavoring to understand their needs from their perspective will help you play the role of the perfect host.

After all, you want to feel confident when you lay out the welcome mat that those who cross your threshold will enjoy the time spent in your home. Refer to these tips when preparing for overnight guests and you’ll be sure to win points as a first-rate host.

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HUD Announces Reduction in Mortgage Insurance Premiums for FHA Borrowers

What is the MIP?

Reduction in MIP

Impact on Homeownership

Effective Date

Conclusion

Mortgage fees are changing for homebuyers next month. Here’s what you should know.

What are the fee changes?

What loans do these fees apply to?

Why are these changes being made?

Are these positive changes?

Other Changes on the Horizon

Alfresco Pizzeria

Tranquility Space

Gaming Arena

Entertainment Hub

Spring Lawn Care Steps: Tips for Homeowners

Rake and Clean Up Debris

Aerate Your Lawn

Fertilize Your Lawn

Seed Bare or Thin Areas

Control Weeds and Pests

Two Reasons You Should Sell Your House

1. I Want To Take Advantage of the Current Market and Make a Profit

2. My Home No Longer Meets My Needs

Bottom Line

Stay Safe

Document the Damage

File an Insurance Claim

Conclusion:

What is an Appraisal?

Spring 2023 Appraisal Issues

Impact on Buying and Selling a Home

What Can You Do?

In Conclusion

Consider these elements when moving long distance.

Factors that affect the price of long distance moves

Consolidated shipping

Delivery windows

Accessorial charges

Storage

Best money saving tip

Wallpaper With Personality

Where to begin…

Guest Room Tips for the Warmest of Welcomes

Plan Ahead