With summer officially over a week old, it’s probably time to start planning out your maintenance schedule. For some of you, this may be an annoying chore; for others, an exciting opportunity to spend some quality time on the DIY projects you love so much. But, whichever side of that line you’re on, the fact remains that home maintenance needs to be done, and it’s often best and easiest to break it up into seasonally-appropriate projects. Here’s a checklist to make sure you get to everything you need this summer (as a bonus, price estimates are included!).
As everyone learned in 2008, the bank that issues your initial mortgage may not keep it for very long. Banks sell bundles of mortgages, and the servicing of mortgages. Unquestionably, much improvement has come since the big meltdown. However, many big banks still aren’t complying with customer-service standards imposed in 2011. But it’s not all bad news. Although regulators have now restricted Wells Fargo, Chase, U.S. Bancorp, Santander Bank, EverBank Financial Corp. and HSBC Holdings; they’ve also lifted restrictions on 3 large banks that have made improvements.
To be completely honest, we’ve never heard of the website Networx, but if you’re into home remodeling, it might not be a bad place to start. They have a giant section devoted to it — in fact, they have fifteen sub-sections! This article, with 13 tips on how to save money during your next home improvement project is a good example. It breaks the tips down into four categories: Getting Started, Materials, Labor, and Financial Help. Each contains a few good tips, so if you’re planning a project, check out the article, and the site in general.
So far this week, mortgage rates are generally up. But last week, they were down because of the threat of Greece defaulting on its debts. Everyone knows that even the experts are terrible at market timing, but in today’s global economy, where tiny blips on the other side of the world can impact things here at home, it’s particularly crazy.
It may seem unnecessary to point out that any information you submit on your mortgage application needs to be accurate — nevertheless, it bears repeating. As the St. Louis Post-Dispatch points out, seemingly trivial errors (the dot your ‘i’s and cross your ’t’s sort) can not only impact the success of your mortgage application, they can have long-term consequences on your credit. Differences like, for example, whether your name is hyphenated the same everywhere make a difference to the computers that compute credit scores. Take the extra time to double check everything — it’s time well spent.