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A Growing Market In New Zealand Real Estate
In a world and economy that is increasingly globalizing, the idea of purchasing international real estate has become more and more popular. With Americans, as much as ever, enjoying world travel and spending time abroad, international real estate is...
Are You A Real Estate Investor Or A Circus Performer?
Does the stress of monthly rent collection and after hour plumbing problems make you feel like a performing seal at the circus? You're trying to keep a spinning beach ball balanced on your nose, at the same time that you're wildly clapping your...
Hiring A Contractor - 10 Tips
A very smart attorney I know paid $7,000 for a roof repair, only to have the roof leak the next time it rained. The contractor stalled, made excuses, but never did a thing about it. Anyone can have these kinds of problems when having repairs or...
Hiring Home Contractors
Have you ever had a problem with a home contractor? You're not
alone. A friend of mine paid over seven thousand dollars to have
his roof repaired, only to have it leak the next time it rained.
The contractor made excuses, but never did a thing...
Why Hardwood Flooring Is Still A Good Investment
1) Hardwood flooring has a timeless air of quality
Hardwood floors have decorated some of the most exclusive mansions and estates in history and still exudes a feeling of permanence and classic quality compared to manufactured floors.
2)...
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How to Get a New Kitchen
Do you want to improve the look of your home? Have you thought of adding value to your home with a brand new kitchen?
The thought of home improvements, like a new kitchen, can be lingering thoughts. Projects like these can be expensive endeavors when most of us do not have the additional funds sitting in a bank account screaming for you to spend.
Maybe it’s time you consider a Home Improvement Loan. You may have heard different terms like Home Equity Line of Credit (HELOC) or Line of Credit. A HELOC could be the easiest and cheapest way to make improvements to your home and have your dreams become a reality.
A HELOC offers a low interest rate, usually tied to the prime rate and a low monthly payment, secured by your home. As the home owner, it frees you up to do whatever improvements you want on your home or property.
With a HELOC, you can have up to 100% of your home’s value available to you for improvements, rehabbing and life’s unplanned emergencies. You only pay for what you spend leaving funds available for other projects and/or emergencies. The loans are typically repaid over a 10 year amortization schedule.
A mortgage lender can better provide details and current rate information. Your available
income, credit score and equity in your home will play a part in determining your rate and ability to qualify for different program options. Your lender will also be able to explain to you any tax savings and other advantages the loan may have for you.
A HELOC can help you with: getting that new kitchen, remodeling a bathroom, building a home addition, buying new furniture, landscaping in the Spring, and so on. What you spend your money on is entirely up to you.
Remember, financing shouldn’t be the most difficult part of getting that new kitchen you’re dreaming of! With a simple Home Improvement Loan, you’ll be on your way to harder decisions- like picking out the new cabinets and light fixtures!
About The Author
Kimberly Shallenberger-Cameron currently manages the STLagent Team of Real Estate Consultants in St Louis, MO. Her website is http://www.stlagent.com, where she publishes the St Louis Real Estate Blog.
Kimberly also moderates the St Louis Community Forum Message Board at: http://www.stlagent.com/forum
© STLagent.com 2005
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