Melissa's Blog Content
Unveiling the Equestrian World: Explore Different Styles of Riding to Find Your Perfect Fit
Introduction: Horseback riding is a versatile and captivating activity that offers a wide range of disciplines and styles. From the elegance of dressage to the adrenaline rush of show jumping, each style has its own unique characteristics and requirements. If you're new to horseback riding or considering trying a different discipline, it's essential to understand the various styles available and find the...
Inspection VS Appraisal
Both inspection and appraisal are important steps in the buying or selling of a home, but they serve different purposes. **Inspections and appraisals are both important steps in the buying or selling of a home, and they can provide valuable information to buyers, sellers, and lenders.
An inspection: This is a visual examination of a property's structure and systems performed by a certified home inspector. An inspection is performed to identify any issues or defects with...
What are the Typical Closing Cost for a Mortgage on a Loan?
The typical closing costs for lets say a $300,000 loan can vary depending on location, lender, and loan type.
Closing costs, on the other hand, can range from 2% to 5% of the loan amount, which translates to $6,000 to $15,000 for a $300,000 mortgage. These percentages are also depending on the consumer and loan type. We typically see the closing costs to be 3%.
Some common closing costs that a borrower may incur include:
The origin...
Whats Happening in the Housing Market Today?
With so much recent change in the housing market, you probably have questions about what it all means for your homebuying plans this spring.
What’s Going on with Mortgage Rates?
Last year, mortgage rates more than doubled within the calendar year. That’s never happened before, and the rapid rise caused many buyers to put their plans on hold. Today, rates are still quite volatile. With experts projecting rates will stabilize this year, that could...
A living will and health directive are important legal documents that allow you to make decisions "YOUR CHOICES" about your medical care and end-of-life treatment if you become unable to communicate or make decisions for yourself. Here are some reasons why you should have these documents in place:
To make sure your requests are carried out: You can designate what medical treatments you desire or don't want if you become in...
To transfer ownership of real estate to a named beneficiary following the death of the property owner, a "TODD" (Transfer on Death Deed) is a legal instrument that is used in real estate.
A TODD allows the property owner to specify who will inherit their property after their death without the need for probate court proceedings. The beneficiary named in the TODD will automatic...
Estate planning options like a living trust and a TODD (Transfer on Death Deed) can make it easier for your assets to be distributed when you pass away. However, they are different in how they operate.
A living trust is a legal document that allows you to transfer ownership of your assets to a trust while you are still alive. The trust then manages those assets for your benefit during your lifetime and allows for their efficien...
