All Blog Entries by Debbie Drummond

Found 414 blog entries published by Debbie Drummond.

Smart Ideas to Improve Your BackyardHomeowners don't need to install in-ground pools or coordinate flashy fountain shows to improve their outdoor space. Sometimes it's as simple as adding an outdoor table for everyone to enjoy their favorite meals, or putting in a few extra plants for a little burst of color. Homeowners who want to spend more time in the fresh air should keep the following tips in mind.


Color can do more than invite people outside, it can camouflage the outdoor space and make for a more attractive landscape. For example, owners can add potted plants to the patio so it blends in with the surrounding backyard. When positioning plants, think in terms of both air quality and shade. The plants should be placed near the seating areas to provide a clean air

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Installing a Home Office InformationWorking from home can be very rewarding, especially if you have a specialized space to get the work done. Converting a room of your home into an office can be done in a weekend or over a few weekends, either through a contractor or even a do-it-yourself (DYI) project. Here's what you need to know about turning a part of your home into a work space.

Have a Plan

Decide in advance what kind of furniture you need. Do you need a standing desk, sitting desk, or one that is convertible? Will you need filing cabinets? How many? Assess your daily work flow, the tools that you use to do your job and the amount of space you need to get work done. Create a floor plan of your future office space, to give you some direction throughout the project.

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All About Fixed Rate Versus Adjustable Rate MortgagesMortgages come in many flavors. One of the many things that homeowners can decide when selecting is mortgage is whether their loan will have a fixed or adjustable rate. The interest rate on a mortgage can affect the monthly payment amount. So knowing the difference between the adjustable and fixed rate mortgage, including the pros and cons, can help a home buyer decide what kind of mortgage is right for them. Here's what you need to know.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

What Is an Adjustable Rate Mortgage? Fixed Rate Mortgage?

Very simply, a fixed rate mortgage is a mortgage with an interest rate that never changes. The fixed rate

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What to Know About Property TaxesMost first-time homeowners realize that along with buying a home will come the responsibility of paying property taxes. What may come as a surprise is how much property taxes can add up to, requiring many to budget for this expense that can amount to thousands of dollars annually. In most cases, however, property taxes are placed in an escrow account should a mortgage be used in buying the home. Understand more about property taxes and a few ways to reduce property taxes today.

For informational purposes only. Always consult with a certified tax expert before proceeding with any real estate transaction.

An Overview of Property Taxes

Property tax will be determined on assessed real estate property. It is generally a value that is in

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How to Research the Real Estate MarketWhether planning to buy or sell a home, it is essential to understand both the basics of real estate and the state of the real estate market. Here are a few tips to get a better grasp on how to determine the market in potential buying or selling regions.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Understanding Online Listings and the Multiple Listing System (MLS)

There are many popular online websites to search real estate listings and detailed information. They offer viewers easy access to details such as physical addresses, listing prices, nearby amenities and typically feature photos of homes. Overall, these are all excellent resources to

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Renting Out Your Home? What You Need to KnowRenting out a home can be a very lucrative real estate investment. However, renting ones home has its challenges. For homeowners who want to make extra money by renting their property, being prepared is important for success. Here's what you need to know.

For informational purposes only. Always consult with a licensed real estate professional before proceeding with any real estate transaction.

Make Repairs

Many renters want to know that their rental home will be in good condition when they move in. Problems like broken windows, holes in the wall, broken door knobs and other small maintenance issues can dramatically reduce the amount of money that a rental home is worth. In fact, some rental homes that have these problems may be very

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Building a home fitness center doesn't have to be a dream. It may be easier than you think!Buying a new home with all the rooms one might want can be difficult. One of the rooms many people may want in a new home is a fitness or exercise room. If youir new home doesn't have an exercise room, consider building or making one.

Building a home gym takes some thought, planning, money and perhaps most of all commitment. It's one thing to have a treadmill that now only serves as a clothing rack, it's quite another to plan and invest in an entire area that goes largely unused. Once a homeowner is assured they want and will use a home fitness studio it's time to make plans and construct it. Here are some steps to take.

Select an Appropriate Space

Planning a home gym starts with selecting the right space. Ideally, it should be a space

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How a Home Appraisal Works for SellersFor most sellers, a home appraisal could be an important part of the home selling process. If the buyer plans to obtain financing from a lender, they will typically require the appraisal amount to be equal to or greater than the sale price. The results establish a home value relative to the neighborhood and the sale of comparable homes in the area. Knowing what to expect from the process can help sellers understand how the appraisal could affect the home sale.

For informational purposes only. Always consult with a financial advisor before proceeding with any real estate transaction.

How Do Appraisals Work?

Once the buyer and seller have agreed on the details of the purchase contract, the buyer's side (usually the lender) usually orders the

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How to Take Pictures for Your Home ListingThe photographs that home sellers use in their listing can help sell their home. The better the pictures, the more buyers the listing may attract. If you're selling your home soon, and whether you take the photos yourself, your agent takes them or a a professional photographer is used, here's what you need to know.

Throw Out the Fuzzy Ones

Poor quality pictures can detract from the beauty of the home, and may even stop buyers from coming to see your property. Sort through all pictures and delete or throw out pictures that are blurry.

Clean Up First

Before taking pictures, home sellers need to clean up inside and outside the home. This is also the time when the home seller should make any cosmetic changes they plan to make before selling

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Reverse Mortgage Information for HomeownersThere are many types of home loans available to homeowners who have equity in their home, and a reverse mortgage is one of these loans. Understanding reverse mortgages and how they work can help homeowners who qualify to decide whether or not a reverse mortgage is for them. If you're a homeowner seeking a funding source or extra money to live on, here's what you need to know about reverse mortgages.

For informational purposes only. Always consult with a licensed mortgage professional before proceeding with any real estate transaction.

What Is a Reverse Mortgage?

A reverse mortgage is a type of loan available to homeowners who are at least 62 years old or older. In order to be eligible, the senior must own their own single family or

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