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Commercial Real Estate

Arlington WA property management services by northfieldproperties.info

Everett property management firm with northfieldproperties.info? Northfield Properties Inc strongly in two key principles: putting clients’ interest first and providing exceptional personal service. The company is a seasoned property manager company that continues to be devoted to serving the needs of clients before, during, and after each transaction…looking to build a relationship with clients. As a property management company that buys and sells Real Estate our actions have to stand the test of time

This is a very necessary process, used to ensure that your new home is free from defects that could potentially cost you thousands of dollars later to repair. Home inspections will often reveal problems that you can have the seller correct before agreeing to purchase the home. This is known as a contingency. Most offers are usually contingent offers. This means, that the offer is contingent on another factor, such as a favorable home inspection or the ability to obtain insurance. In general, contingencies are safeguards for both buyers and sellers, but should not be overdone. In addition, it is important to meet all deadlines and that all contingencies are met exactly the way the offer describes. Your agent is responsible for making sure contingencies are written correctly.

Northfield Properties, Inc. practices two key principals: putting client’s interests first and providing exceptional personal service. Our company is a seasoned property manager that continues to be devoted to serving the needs of clients before, during, and after each transaction…looking to build a relationship with clients. As a property management company that buys and sells Real Estate, our actions have to stand the test of time. Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Daily involvement in market trends keeps Walter and his agents at forefront of today’s fast changing market, putting the most up-to-date information in your hands to help you make the most appropriate and informed decision possible. Read extra details on Property management Lake Stevens.

If it is noticed that your tenant is not keeping the property to the required standard, then a notice to comply is issued, stating the items that need to be resolved. If this is not done within the stipulated time frame, usually 10 days, then a termination notice is issued requiring the tenants to vacate the premises or the rent will be raised to pay for services needed. The maintenance of lawns and gardens at a rental property is the responsibility of the tenant unless otherwise stated on the Rental Agreement. If requested, we can refer the tenants to a landscaper.

Our target is to be the best provider at a good price throughout King and Snohomish Counties. Don’t worry, we don’t “dabble” in property management. Property management is what we are experts in and what we have always done. Sure, we are a full-service brokerage that can help you buy or sell your houses as well, but if you are looking to have your investment property taken care of by experts – you came to the right place. All our property managers strive to exceed expectations! We find and place quality tenants! Property Manager Joanna is available for a free consult. Read additional details at this website.

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Commercial Real Estate

Stuart Rubin’s real estate development recommendations

Real estate market recommendations from Stuart Rubin? Overlooking FHA, VA and USDA loans. First-time buyers might be cash-strapped in this environment of rising home prices. And if you have little saved for a down payment or your credit isn’t stellar, you might have a hard time qualifying for a conventional loan. How this affects you: You might assume you have no financing options and delay your home search. What to do instead: Look into one of the three government-insured loan programs backed by the Federal Housing Administration (FHA loans), U.S. Department of Veterans Affairs (VA loans) and U.S Department of Agriculture (USDA loans). Here’s a brief overview of each: FHA loans require just 3.5 percent down with a minimum 580 credit score. FHA loans can fill the gap for borrowers who don’t have top-notch credit or little money saved up. The major drawback to these loans, though, is mandatory mortgage insurance, paid both annually and upfront at closing. VA loans are backed by the VA for eligible active-duty and veteran military service members and their spouses. These loans don’t require a down payment, but some borrowers may pay a funding fee. VA loans are offered through private lenders, and come with a cap on lender fees to keep borrowing costs affordable.

After narrowing the search to 2 or 3 homes, your agent will do whatever research is necessary to aid you in making your decision. Ultimately, however, it is your decision. Some tools that can help you make that final decision include school reports (if you have or are planning on having children), statistical information from the local chamber of commerce, future zoning or road expansion from local planning offices, etc. Whatever the factors of importance are to you, have your agent help locate that information. Once you have selected a single home to focus on, your agent will conduct a comparative market analysis on that property. This involves determining “fair market value” by looking at what other buyers were willing to pay for properties similar to yours in the same neighborhood or area.

In contrast, the monthly PITI in the 50 most populous U.S. metro areas averaged just $1,434. That makes home buying a sport reserved for the affluent in those 25 most expensive metro areas. And that’s despite the fact that those metro areas include more than just pricey downtown neighborhoods. They include entire cities and extend into more affordable nearby communities, some suburban. To afford those PITIs of $1,430 to $5,946, you needed annual income ranging from $85,173 to $254,836. That’s a lot more than the $61,454 income you needed to afford a home in the 50 most populous U.S. metro areas. Those metro areas’ PITIs average $1,434.

Stuart Rubin bio: Prior to joining Deloitte, he was a co-founder of a leading cyber services consultancy where he launched a managed services platform for providing ongoing monitoring of network devices and assessing and reporting on the impact of cyber-related events. Stuart is a graduate of Florida State University and holds a Bachelor of Science in Information Studies. He is a Certified Information Systems Security Professional (CISSP-ISSMP) and a member of ISACA and InfraGard.

His hands-on experience includes regulations, standards, and leading practices pertaining to Enterprise Risk Management (ERM), cybersecurity and customer privacy, system implementation and IT governance, COSO, COBIT, SSAE 18, Sarbanes-Oxley Act, and corporate investigations. He has extensive experience in assisting Deloitte’s clients in navigating the evolving digital risk universe, including cloud, digital asset management, security and privacy, third-party risk management, and robotic process automation (RPA).

Stuart Rubin, can very well be dubbed a real estate expert. He enjoys his work, and his interest in real estate development is the secret to his success. The bank was publically traded, and all shareholders were proud of the disposition and the financial solvency of the bank at the time of the sale. Mr. Rubin has served on the board of Hebrew Union College, Vista Del Mar, and the L+R Group of Companies. Discover additional info on Stuart Rubin.

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Commercial Real Estate

Apartments for sale in Paphos

Paphos villas for sale? Paphos is a town on the southwest part of the Mediterranean island of Cyprus. Inhabited since Neolithic times, it has several temples relating to the cult of goddess Aphrodite, whose mythical homeplace was at Old Paphos (Kouklia). New Paphos is the modern city that incorporates the harbor, and the ancient ruins of tombs, fortresses, theaters and villas at Paphos Archaeological Park.

We will assist you from start to finish, helping you understand the entire property selling process in Cyprus, such as legalities and taxes, appraisal, preparation, valuations, marketing and promotions, selling distribution channels, property inspections, offer and negotiations, settlements, and follow-ups. We will administer the entire selling process with upmost care and personalised service.

We don’t leave anything to chance and that’s why we make a point of offering honest, reliable advice from the offset; so that you can focus on what’s important. We’re proud to offer guidance and support to all of our clients. To get in touch with our team, simply email info@property-canvas.com today to arrange a viewing, to have your property listed with us, or to find out more about the world-class level of service that our clients have come to know and love. See more details at Paphos properties for sale.

There are some decently-preserved remnants from Paphos’ Roman period scattered near the harbor area, all dating from the 2nd century. The Odeon (a small theater) is still used today for summer music festivals and has 12 rows of seating. In front is the large court (95 square meters) of the Agora, which functioned as a Roman marketplace with only the foundations and parts of the columns visible. Nearby are the crumbled remains of ancient city walls. Next to the Odeon is a modern lighthouse and a rocky mound believed to have been the Acropolis of the town. There was once a temple here, but little of this has survived. Just to the south is a collection of buildings, which served as an Asklepion (shrine of the god of healing, Asklepios) although not much remains.

We are fully licensed and registered members of the CREA, but it’s our level of expertise that really adds to the experiences of our clients. For more information on our most popular services, simply continue reading below. Property sales to the domestic (Cypriot) market, which accounted for 70% of all sales in June, rose by 14% compared to June 2019. Although domestic sales in Paphos fell by 74%, this wall was outweighed by gains in the remaining four districts. Sales in Famagusta rose by 72%, whiles sales in Larnaca, Nicosia and Limassol rose by 72%, 69% and 38% respectively. Read extra info on property-canvas.com.

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Commercial Real Estate

Homes for sale in Kirkland WA from JADE Residences

Condo development in Bellevue, WA and apartment buyer guides? Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).

Fixating on the house over the neighborhood. Sure, you want a home that checks off the items on your wish list and meets your needs. Being nitpicky about a home’s cosmetics, however, can be short-sighted if you wind up in a neighborhood you hate, says Alison Bernstein, president and founder of Suburban Jungle, a real estate strategy firm. “Selecting the right town is critical to your life and family development,” Bernstein says. “The goal is to find you and your brood a place where the culture and values of the (area) match yours. You can always trade up or down for a new home; add a third bathroom or renovate a basement.” How this affects you: You could wind up loving your home but hating your neighborhood. What to do instead: Ask your real estate agent to help you track down neighborhood crime stats and school ratings. Measure the drive from the neighborhood to your job to gauge commuting time and proximity to public transportation. Visit the neighborhood at different times to get a sense of traffic, neighbor interactions and the overall vibe to see if it’s an area that appeals to you.

Constructed with lifestyle, location, and attainable home ownership in mind, JADE serves as a symbol of what’s next for Kirkland—and the greater Seattle metro area. JADE will feature 136 homes from below $400,000 to more than $1M. Occupancy 2021. Native to Austria and—having lived in Seattle for more than 20 years— Sabine Jacques is now a full-fledged Seattleite and serves as the Sales Director for JADE Residences in Kirkland. She brings to the team a host of international connections, lifelong experience in luxury goods, and a sincere devotion to providing the best in customer service. Sabine’s experience has given her the opportunity to serve and build trusting relationships with the most prestigious clientele in the world. She trained for and was certified as a master watchmaker before joining Cartier in London, where she perfected the craft of negotiation and the art of the sale. She has built and remodeled her own personal homes and continues to use that experience and understanding of construction and materials—as well as her personal passion and keen eye for design—in her work. Her knowledge and experience as a real estate investor—purchasing and selling her own homes as well as working on behalf of distinguished investor clients—is invaluable, and along with the rest of her career experience, gives her a unique perspective on every project and real estate transaction. See additional information on new homes for sale in Kirkland WA.

Location is by far the most important part of buying real estate. You can change condition, you can change price, you can’t change the location of a house. If there is one thing a buyer should never sacrifice on its location. The location of a house will have the largest impact on its price, and potential future appreciation. One analogy we use to demonstrate how important location is this: If you take the least expensive home in the world, and you put it in downtown New York City, it is worth millions. If you start shopping homes for sale in all different locations you’ll never build a proper frame of reference to understand what constitutes a great deal, a good deal, and a lousy deal. You want to become an expert in a certain area so that when it comes time to make an offer, you can do so with conviction and confidence.

As attendees learned about the modern homes, premier finishes, and numerous amenities, Terrene Urban Founder Wade Metz announced that JADE, formerly released to sale for one- and two-bedroom condominiums, will now have a three-bedroom option for sale in the near future. This announcement and the exhibition of homes and interior design fostered a great deal of enthusiasm among brokers, who specifically remarked on the residences’ kitchens, waterfall countertops, and the ideal location in Kirkland. Interested buyers will now be able to tour the same gallery with an additional public open house this Saturday, from 10 a.m. until 6 p.m.

JADE is a unique and internationally-inspired collection of condominiums anchored within Kirkland’s natural beauty and fully connected with in-city convenience. Designed by Johnson Braund Architects, the active community will have six stories with large areas glass windows, and over 60 percent of residences will feature extended outdoor spaces. Constructed with lifestyle, location, and attainable home ownership in mind, JADE serves as a symbol of what’s next for Kirkland—and the greater Seattle metro area. Address: 11903 NE 128th St. | Kirkland, Washington 98034. Discover additional details on new condominiums in Kirkland WA.

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Commercial Real Estate

Real estate Dubai

Property investment in Dubai? Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).

Right next to the Burj Khalifa is The Dubai Mall. To call the sprawling development merely a shopping mall is doing it a disservice. Even an entire day spent here isn’t enough to see it all. Along with its 1,200-plus shops and 150 restaurants, the venue is home to an indoor theme park, an ice rink, a huge indoor waterfall, a choreographed outdoor fountain and the giant Dubai Aquarium and Underwater Zoo.

Emporio does not only maintain or renovate your tenancies but we also help you to think beyond rents and explore new horizons. To secure your assets, we offer insurance consultancy and make insurance payments on your behalf. Our legal and tax advisors are always on board to deal with these matters. Other than offering cost-effective solutions, Emporio is responsible for Ejari, water, and electricity registrations. Discover extra information on Buy apartment Dubai.

Moving too fast. Buying a home can be complex, particularly when you get into the weeds of the mortgage process. Rushing the process can cost you later on, says Nick Bush, a Realtor with TowerHill Realty in Rockville, Maryland. “The biggest mistake that I see (first-time buyers make) is to not plan far enough ahead for their purchase,” Bush says. How this affects you: Rushing the process means you might be unable to save enough for a down payment and closing costs, address items on your credit report or make informed decisions. What to do instead: Map out your home-buying timeline at least a year in advance. Keep in mind it can take months – even years – to repair poor credit and save enough for a sizable down payment. Work on boosting your credit score, paying down debt and saving more money to put you in a stronger position to get preapproved.

Buying real estate in a good school district makes it a lot easier when it comes time to sell your house in the future. Whether you’re looking to downgrade as an empty nester or upgrade into a larger house to support your family, a top school district is a big-time selling point in real estate. If you buy in a bad school district you run a greater risk of your home depreciating because you are appealing to a much smaller buyer pool. We recommend our buyers focus on specific neighborhoods vs. focusing on cities or larger areas. The neighborhood you live in is going to have a direct impact on you. What are you looking for in a neighborhood? Address this question early on in the home buying process because buying in the wrong neighborhood is a surefire way to be remorseful about buying a house.

Emporio Group has a diverse clientele with a diverse and biggest property pool. From selling to buying to managing your commercial and residential assets, Emporio Group is here, your trusted one-stop real estate solution. To find your dream villa or perfect office location for your business, just contact us and let us help you with our comprehensive and data-driven services. Read extra details at here.

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Commercial Real Estate

Jack Brown @ Invest Islands or the rise of a financial influencer and leader

Jack Brown @ Invest Islands or the rise of a real estate investor: With a deep-rooted passion for sustainable development, nothing brings Jack more satisfaction than helping investors realise their dreams of owning a slice of paradise and ensuring they exit with an excellent return. Jack is particularly proud of the Invest Islands Foundation who work hard to improve the quality of life of the local communities in Lombok including building a school and building a new recycling centre for waste collected from the ocean.

Invest Islands Jack Brown on investment opportunities in Hong Kong : “Operating across the Asia Pacific region, Invest Islands is a land brokerage company based in Lombok Indonesia, with strategic offices in Hong Kong under Asian Island Group. I currently oversee all of the aspects of the Asian Island Group. I also travel to the development sites and visit the Invest Islands Foundation Charity projects. Additionally, I frequently travel to the plantation field at the foot of Mount Rinjani that supplies fresh fruits and vegetables to the Invest Islands Resort in Torok Bay.”

In 2016, Jack and Kevin set up a dedicated sales division in Hong Kong, to give investors an easy and secure way to own land and develop real estate on the Indonesian islands of Lombok, Sumba and the Anambas. The partnership is the ideal combination of Jack’s sales and marketing expertise and Kevin’s local knowledge and investment nouse. Full and Secure Foreign Ownership Without a Local Nominee! We are proud to be the only real estate company in Hong Kong that offers its clients an investment in Indonesia and an opportunity to invest through a verifiable, regulated entity without the need for a local nominee. This makes due diligence far more transparent.

Indonesia’s economy is on the rise, helping the country take its rightful position as a major destination for foreign direct investment (FDI). Indonesia is entering a “sweet spot” as a convergence of its young, working population with that of relatively stable inflation and sustained economic growth which in turn is fuelling overall consumer spending. Finally, the country’s resilience during the global financial crisis illustrates the merits of its immense population and economic self-reliance, demonstrating how these factors buck the trend of most other G20 economies.

According to Jack Brown, Invest Islands Foundation is the project he is particularly proud of. The NGO has already built a school in the village of Batu Banke, pays local widows and single mothers to clean the beaches and is developing a recycling centre for the collected waste. Read more details at Jack Brown Invest Islands.

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Commercial Real Estate

Cost of selling my house in Las Vegas

Fastest way to sell my house in Las Vegas? When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can.

Making decisions based on emotion. Buying a house is a major life milestone. It’s a place where you’ll make memories, create a space that’s truly yours, and put down roots. It’s easy to get too attached and make emotional decisions, so remember that you’re also making one of the largest investments of your life, says Ralph DiBugnara, president of Home Qualified in New York City. “With this being a strong seller’s market, a lot of first-time buyers are bidding over what they are comfortable with because it is taking them longer than usual to find homes,” DiBugnara says. How this affects you: Emotional decisions could lead to overpaying for a home and stretching your budget beyond your means. What to do instead: “Have a budget and stick to it,” DiBugnara says. “Don’t become emotionally attached to a home that is not yours.”

Once you select a lender, you should speak with a loan officer as quickly as possible. At this point, there is one thing you should know. Pre-qualifying means absolutely nothing. All pre-qualifying does is determine the amount of the loan you could qualify for based on factors such as your credit, salary, etc. It does not guarantee that a lender will actually loan you the money. It’s more important to get PRE-APPROVED. Pre-approval means that your application has been submitted to a lender who is willing to extend you a specific loan amount, pending a property and appraisal. Being pre-approved lets you know that you won’t be denied for a loan, and it also provides you with leverage to negotiate the purchase price of a home with the seller.

Light is something people often take for granted but this is something you should maximize in your home. Lighting comes second to location and this is something every buyer wants in a home. When preparing your home for sale, do everything you can to let the sunshine in. You want to make the interior of your house as bright and cheerful as possible. Increase the wattage of your light bulbs, take down the drapes, change the lampshades, clean the windows, and cut down the bushes outside that block any sunlight from coming in the windows. More light makes your home more sellable. Discover extra info at Sell a house fast in Las Vegas, NV.

Many people purchase homes in Las Vegas because it’s an incredible travel attraction. Mandalay Bay Resort is at the southwest end of the Strip, near the Luxor hotel. One of the key highlights at this complex is the Shark Reef Aquarium. The massive 1,300,000-gallon tank holds a wide variety of sharks, fish, rays, reptiles, and marine invertebrates. About 100 sharks from 15 different species and more than 2,000 animals in all are on display. The Shark Tunnel is the most impressive feature. Accredited by the Association of Zoos and Aquariums, Shark Reef works with wildlife biologists to preserve endangered lake and marine populations as well as rehabilitate injured animals.

Genuine Real Estate Acquisitions and Talents LLC buys houses in and around Las Vegas (and other areas too!). We’re not listing your house… we’re actually the ones buying your house. Because we pay cash, we’re able to close quickly… or on your schedule. Like we’ve mentioned, when you work with us there are no fees… like there are when you list your house with an agent. What this means to you is you don’t have to worry about extra costs, having to come out of pocket to sell your house fast, or even getting your house ready for a sale (we’ll buy your house as-is). Don’t worry about repairing or cleaning up your property. We’ll buy your house in as-is condition… no matter how ugly or pretty it is… no matter the location. Read a few extra info at https://www.gr8housebuyers.com/.

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Commercial Real Estate

Lekki, Lagos real estate advices

Lekki, Lagos real estate tips: The Cash Involved: An individual doesn’t have to be wealthy to spend on real estate. Though many main players have achieved sufficient wealth, most of them nonetheless took risks with their cash. A business endeavor is all the time a risk. Either you profit otherwise you lose some.

Hi-Impact Planet offers world-class fun for the young and old, friends and families. There are games, rides and other entertaining attractions for the young and young at heart. You and your family will enjoy a good time and form magical memories. You can grab a snack or a pastry during your day of fun or enjoy full-blown intercontinental meals at the parks 3 food court. Built in 1990, Lekki conservation centre covers a land area of 78 hectares. This nature hub is run by the Nigerian conservation foundation (NCF) and If you appreciate the sight of plants and animals in their natural habitat, then this place is a must visit for you. The NCF was set aside to sustain the natural habitation of plants, and animals as urbanization began leading to the intrusion of areas meant for them. The conservation centre is located in Lekki, immediately after Chevron, before the 2nd Lekki Toll Gate.

Whether or not you’re familiar with the music and life story of Fela Kuti, a beloved Nigerian musician and activist who pioneered the Afrobeat genre, the Kalakuta Republic Museum is worth a visit. The museum is Kuti’s family home (and final resting place), where personal artifacts and items relating to his career are on display, as is the late megastar’s bedroom, which has been left intact. The museum is run by Kuti’s children, who are often present and willing to discuss Fela’s life and legacy with visitors. The string of islands across which Lagos is built are characterized today by skyscrapers and busy highways, but you can still catch glimpses of the undeveloped lagoons and mangroves that greeted Portuguese explorers in the 15th century. A handful of parks and nature reserves present quiet spots to escape the buzz of Lagos city, as do sandy beaches besides crashing Atlantic waves. Lagos, Ikoyi and Victoria islands all have their own vibe and their own attractions to discover.

Assess your financial situation. You need money to buy a house, and so before you proceed you need to have an idea of your financial situation. You need to save ahead of time so you can have enough and also have an idea of what type of house you can afford and how long you need to save to be able to build your dream house. Creating a checklist of what you will be looking for as you start your house hunt will allow you to turn to logic when faced with the emotions of deciding between different listings. Something you can try is creating 3 columns on your checklist. Explore a few more info at this website.

Tired of the chaos of Lagos and need a bit of a break? Take a day trip to the nearby Epe Mangroves! There you’ll find a smaller Yoruba community very different than Lagos, including a fascinating fish market you can peruse. But the highlight of any daytrip from Lagos to Epe is definitely going to be taking a small boat or canoeing through the mangroves, where you’ll get a taste of Nigerian nature. Just watch out for the crocodiles! You’ll need to organize a driver for the day, but otherwise most of the tour can be arranged independently.

Lagos, popularly referred to as “Eko” is a beautiful and vibrant city with numerous side attractions ranging from relaxing on the beautiful beaches of Lagos to visiting museums, art galleries, relaxation spots, markets, shopping malls, etc. There are also tons of parties, festivals, and events you can attend while in Lagos. Being a bustling and lively city, there’s an abundance of historical and cultural landmarks to visit as well as sport activities to engage in in case you’re the sporty type. Lagos has something for everyone. So, if you’re in Lagos alone, with your partner, friends and family, there are lots of activities to engage in and places to visit to make your stay fun and worthwhile.

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Commercial Real Estate

HUD homes in California

HUDstore in Ohio? Make more room for yourself on the front or back ends of the 28/36 ratio by lowering the amounts you pay for other credit.If you save, say, $100 per month, that’s the amount by which you can increase the size of your home loan, all other factors staying the same. Chances are you can save the most by paring debt you owe that carries the highest interest rates. That’s your costliest debt. Typically, your highest-rate debt consists of student loans, car loans and credit cards. “One way to pare that high-rate debt is by refinancing loans and by consolidating loans,” Ginerbeard said. “Consolidating in particular will also give you the mental relief of not having to scramble to pay so many bills, each with different due dates.”

This is a very necessary process, used to ensure that your new home is free from defects that could potentially cost you thousands of dollars later to repair. Home inspections will often reveal problems that you can have the seller correct before agreeing to purchase the home. This is known as a contingency. Most offers are usually contingent offers. This means, that the offer is contingent on another factor, such as a favorable home inspection or the ability to obtain insurance. In general, contingencies are safeguards for both buyers and sellers, but should not be overdone. In addition, it is important to meet all deadlines and that all contingencies are met exactly the way the offer describes. Your agent is responsible for making sure contingencies are written correctly.

Our team is a mix of digital marketing experts and data analytics professionals with a profound knowledge of the mortgage industry. We know firsthand at RobustLoans that shopping for a mortgage can be very stressful and time consuming. This is largely due to the fact that following the financial crisis of 2008 federal and state regulations, mandatory disclosures and penalties governing mortgage lending have become far more stringent. Some of the new regulations for lenders are far too rigid, especially for highly qualified applicants with large down payments and outstanding credit scores. Thank you! Discover even more details on Mortgage in California.

Assuming you need a 20 percent down payment. The long-held belief that you must put 20 percent down payment is a myth. While a 20 percent down payment does help you avoid paying private mortgage insurance, many buyers today don’t want (or can’t) put down that much money. In fact, the median down payment on a home is 13 percent, according to the National Association of Realtors. How this affects you: Delaying your home purchase to save up 20 percent could take years, and you could limit cash flow that could be put to better use maximizing your retirement savings, adding to your emergency fund or paying down high-interest debt. What to do instead: Consider other mortgage options. You can put as little as 3 percent down for a conventional mortgage (note: you’ll pay mortgage insurance). Some government-insured loans require 3.5 percent down or zero down, in some cases. Plus, check with your local or state housing programs to see if you qualify for housing assistance programs designed for first-time buyers.

You might hear the word “budget” and cringe a little, but you shouldn’t. Budgeting is not hard, and it doesn’t mean you have to stop doing things you enjoy. Budgeting is simply creating a plan for your money so you have a better idea of where it’s going every month. A popular and effective way to budget is with the 50/30/20 rule. How it works is 50% of your income goes towards the necessities (bills, food, housing, etc.), 20% of your income goes towards savings and the remaining 30% you can use for whatever you please. This is a nice and easy way to break down your paycheck, but you might need to adjust it a bit to fit your lifestyle. Mortgage: This one’s a tricky one, but mortgages are generally considered good debt. They are usually long-term loans with low interest rates, so you’ll still have money freed up for investments and such. The interest from mortgages is also tax deductible, so that’s a bonus. In the end, it’s up to you to decide whether purchasing a home is the right move, as the value of a house will not always rise as some people think. You’ll also have to add in the expenses of property tax, utilities, and home insurance. Explore extra info at https://robustloans.com/.

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Commercial Real Estate

Lekki, Lagos destinations and real estate choices

Why travel to Lekki, Lagos and real estate picks? Lagos has a thriving arts scene, and there are numerous galleries in the city showcasing works of art (both contemporary and traditional) from Nigeria and all over Africa. Nike Art Gallery, run by the acclaimed Nigerian artist and designer Nike Davies Okundaye, is a four-story space on Victoria Island filled with art from all over Africa. The gallery also functions as a school and cultural center, offering custom tours to visitors interested in exploring the arts and cultures of Nigeria. Another artistic hot spot in Lagos city is Terra Kulture, a complex comprising a gallery, arts center, craft shop, bookshop and cafe specializing in traditional Nigerian cuisine. Terra Kulture regularly hosts events like book readings, art auctions and theatrical performances.

The internationally acclaimed art house, Terra Kulture is the home of contemporary visual and theatre arts in Nigeria. It stands as one of only 2 art auction houses in Nigeria, with a collection of over a thousand art pieces from across the country. The Terra Kulture building is home to a restaurant, a craft shop, a library, a language school and theatre and its central feature; the art gallery. It is proud to have hosted readings by renowned Nigerian authors such as Wole Soyinka, Sefi Atta, Chimamanda Adichie and others for book readings. Annual events at Terra Kulture includes an art auction and the Taruwa Festival of Performing arts (which is often held in January).

Festac town was built for participants of the festival of arts and culture in 1977. The town has a rich cultural heritage and makes for a good place to visit for people looking to explore Lagos. Having being renovated and transformed by Fela’s famous children, The New Afrika Shrine is an entertainment sanctuary, a place to catch real fun for fun seekers. You can visit the shrine on Thursday night for a free show with Femi Kuti. Similarly, on the last Saturdays of the month, Seun Kuti, the last of the Fela’s boys does his thing (Afrobeats Sessions with Seun Kuti) on stage. At each jam session, you’ll enjoy getting educated about African politics. Plus it’s a god way to dance, socialize, and listen to good music. Explore even more info at Duplex For sale in Lekki.

Have you ever heard of Fela Kuta? If yes, you’ll love this entry on our list of things to do in Lagos Nigeria. If not, you can’t leave Lagos without learning about this incredible figure in Nigerian history! Located in Fela’s former house, the museum tells you the story of Fela’s music, activism, and unusual lifestyle. When I visited I was the only visitor, but that made it all the more fascinating. Bottom line: either before or after visiting the New Afrika Shrine, you should take some time to pop by the small but fascinating Kalakuta Republic Museum.