Washington, DC – The Federal Housing Finance Agency, with Fannie Mae and Freddie Mac (the Enterprises), today announced a series of changes to the Home Affordable Refinance Program (HARP) in an effort to attract more eligible borrowers who can benefit from refinancing their home mortgage. The program enhancements were developed at FHFA’s direction with input [...]
Notice of Mining Operations Becomes a Legally Required Disclosure
by Mailana Mavromatis, Esq of Property I.D. On September 6, 2011, Governor Brown signed Senate Bill 110 (Rubio) into law mandating the disclosure of mining operations within one mile of real property. Since the 1849 Gold Rush, mines have been dug and abandoned throughout the State of California. The result is that California contains at [...]
Milk Jug Skeleton
This is such a fun way to use up your old milk jugs AND decorate your home for Halloween AND entertain your kids for an entire afternoon.. at least! Start saving up your empty milk jugs and use them to create this adorable, nearly life-size skeleton! (If you don’t go through milk very fast at [...]
Mortgage Rates Drop to All Time Record Lows
Mortgage Rates Drop to All Time Record Lows. By Mike Colpitts For the second week in a row mortgage rates dropped to all-time record lows as the U.S. government attempts to energize the housing market and Treasury bonds fall to record lows. The fixed rate on a 30-year mortgage averaged 3.94%, falling [...]
Credit Freeze and Thaw Guide
Credit freezes are one of the most effective tools against economic ID theft available to consumers. They allow you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily “thaw” your credit so that legitimate applications for credit and services can be processed. That [...]
Resist the temptation to lower your homeowner’s insurance
Picked this tip up from Clark Howard. Reducing your homeowners insurance because the value of your home has declined seems like a no-brainer, right? But there’s a very compelling reason why this is one way you don’t want to save money. The idea of cutting your homeowners insurance is a refrain I’ve heard again and [...]
Reverse 1031 Exchange: Another Tool in the Real Estate Investors Toolbox
In a typical 1031 Exchange, property is sold and then replacement property is acquired. On occasion however, it may be advantageous to do the opposite; acquire property first and then sell. This can be accomplished with a Reverse 1031 Exchange. Although not as common as a “forward” 1031 Exchange, investors have been using the Reverse [...]
WHAT YOU NEED TO KNOW ABOUT FHA LOANS
Today’s topic includes: Who is the FHA? What is an FHA mortgage? What are the current loan limits? What is the Federal Housing Administration? The Federal Housing Administration, generally known as “FHA”, provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and [...]
New Job Postings in Roseville, Ca
The City of Roseville announced today three new employment opportunities: Regular / Benefitted Library Supervisor (Public Services) Library Supervisor (Support/Technology Services) Operations & Support Technician II We strongly recommend you print the job announcement or job specification for future reference. All applicants must be willing to attend testing processes in the City of Roseville, [...]
Go green this weekend in Roseville
One of Roseville’s best services also seems to be one of its best-kept secrets. Roseville began automatic recycling through a single-bin system back in 1995, but many people don’t realize that the city’s trash pickup goes directly to the Western Placer Waste Management Authority’s (WPWMA) Materials Recovery Facility (MRF) for recycling. The facility takes in [...]
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