Larry Tolliver's (pollish33) Blog

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Real Estate Agent - Keller Williams Realty
RECENT BLOG POSTS
Alert. If you do not have a FICO Score 680 or higher and cannot put down a sizable down payment you're being squeezed in the mortgage market.  Fannie Mae and Freddie Mac are charging fees much higher than before to borrowers with lower scores and down payments of less than 30%. Unfortunately thes...
12/17/2007
With the mortgage industry struggling mightily here are 5 creative ways to fixing the mortgage market.  Shared Appreciation a few banks offered this mortgage in the 1970s, but the Internal Revenue Service never clarified whether the payments to outside investors could be view as tax-deductibles i...
12/12/2007
Buying your next home at an auction can save you a huge amount of cash in your wallets.  First and foremost you set your OWN price when bidding on a home.  You are not at the mercy of a seller unrealistic "asking price".  Other benefits include:  No long negotiation period with offers going back ...
12/10/2007
Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money.  It is Important that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledgeable manner. For the protection of buyer,...
12/05/2007
Homebuyers beware. Please do not throw your debt ratio out of whack before the close of escrow.  Many deals fall through simply because of inopportune spending.  A mortgage that you were previously approved of by a lender before closing can drastically change due to excessive debt.  Lenders are p...
12/03/2007
Make an extra mortgage payment. The extra interest you pay will be added to this year's mortgage interest by your lender, boosting your itemized deductions.  Donate to charity. It pays to be charitable, especially at the end of the year. Donating cash is always a good idea. You can also donate ho...
11/29/2007
Are you one of those who constantly think of ways to conserve energy and save more in the process? Here are a few options you can use to save more on your power bills. Heat or cool your home less. Drive or fly fewer miles. Run electrical equipment less and run less water since pumping water takes...
11/19/2007
From CNN Money, Wall Street Journal to Forbes Magazine they all are reporting the fall in value of the U.S dollar.  Interest rates have been slashed in order to boost our struggling economy.  The sub-prime fallout from earlier this year is in full effect.  When you purchase a home so many entitie...
11/14/2007
Solar energy is becoming more popular by the minute.  Besides providing electricity for residential homes, solar power is being used for water heaters to carports.  Die-hard conservationist for the most part primarily used solar energy.  There are examples of huge savings associated with solar en...
11/09/2007
Homeowners, if you want to makeover your home, but you're short on cash here are some ideas to consider.  Let's start with the yard. Landscaping does not have to be expensive, by replacing bushes and overgrown shrubs with colorful flowers will add value to your home.  Another way to modernize you...
11/06/2007
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